Prend vs Ypsilon

Settle up, stay friends. With Prend you track loans and debts between friends, split bills and get your money back without the awkwardness. Lent a friend money and can't remember how much it was or when they said they'd pay you back? Always the one covering rent, dinner or the trip, and then nobody knows who owes what? Prend keeps track and does the reminding, so you never have to chase anyone. LEND TO ANYONE (NEW) • Friend not on Prend? Add them by name and log the loan anyway. • Mark when they pay you back and share a reminder by message. LOANS, CRYSTAL CLEAR • Log a loan in seconds: amount, date, due date and who you lent it to. • Lend to several people at once and split the amount evenly. • One payment or installments: weekly, monthly or on the dates you pick. • Your friend lets you know from their app when they pay an installment, and you just confirm it. GROUPS FOR SHARED EXPENSES For roommates, couples, trips and nights out. • Add each expense in three steps: what was paid, who paid and how it's split. • Prend works out who owes whom. • Split equally, by exact amounts or by percentages, down to the cent. • Recurring expenses: rent, streaming or any fixed bill adds itself every week, month or year. • Settle up in full or with partial payments. Whoever gets paid confirms it. • Add someone who isn't on Prend yet using just their name. When they join, they inherit all their expenses. • Invite people with a link or a QR code. AUTOMATIC REMINDERS • Get a heads-up before a loan, debt or installment is due. • Nudge everyone who hasn't paid yet with one tap. Prend says it for you. • Get notified when someone adds an expense, records a payment or confirms yours. YOUR NUMBERS AT A GLANCE • What you're owed, what's overdue and what's coming due in the next few weeks. • Who owes you the most, across people and groups. • Overdue items come first on Home, with filters and search. • Choose your preferred currency. FRIENDS AND REPUTATION • Add friends by name, or scan their QR code when you're together. • Paying on time builds reputation. Not paying costs it. • Block or report any user if you need to. PREND PREMIUM Remove ads for good and create unlimited loans. Monthly or yearly subscription, or a one-time lifetime purchase. Available on iPhone and iPad. Download Prend and keep things square. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://prend-app.com/privacy

Ypsilon helps you organize income, recurring expenses, loans, assets, and reminders on your device. No account is required. Track everyday finances Keep income sources and expense schedules together. Record payments manually, review payment history, and archive completed entries. Attach up to three photos to an expense and view or share them when needed. Understand payment status Manual expenses remain outstanding until you confirm payment. Automatic debit entries can be estimated after their due date. Ypsilon does not connect to your bank, verify payments, or transfer money. Manage loans and assets Track money lent, money borrowed, and bank credit with payment schedules and remaining balances. Keep a separate record of your assets. Plan ahead See upcoming loan and income payments, a 30-day cashflow projection, and reminders. Use the loan calculator to explore payment amounts, interest, and repayment terms. Projections are based on the records you enter and are not bank balances. Amounts in different currencies stay separate. Local and private Your records are stored on your device, without an account or cloud synchronization. Share an attachment only when you choose. Review notifications received by the app in its notification inbox, and consult the offline English user guide for help. Available in English, Romanian, German, Spanish, French, Hindi, Italian, Russian, and Simplified Chinese.