Split vs Pony Up

Split is bill-splitting the way it should work: item by item, not just the total — and entirely on your device. Most splitting apps ask you to type in a lump sum and divide it evenly. Split reads the actual receipt. ITEMIZED, NOT LUMP-SUM Point your camera at a receipt and Split reads it on-device — no photo or text ever leaves your phone. Choose exactly who's splitting each individual item, not the whole bill. One person's appetizer doesn't have to get split with the whole table. RECURRING PEOPLE Add someone once and they're saved as a contact for next time. Favorite the people you split with most so you're never retyping the same names for the same group of friends. AUTOMATIC SETTLE-UP Record who paid for what, and Split works out exactly who owes whom — netted directly between the people who actually shared an expense, not routed through some global optimization that can make a payment feel random. Mark a payment as done and it's tracked for good. PAY IN ONE TAP Direct links to Venmo and Cash App with the amount pre-filled — no typing a number by hand. Zelle info is one tap to copy. PRIVATE BY DESIGN Split doesn't have accounts, doesn't have a server, and doesn't collect or transmit any of your data. Names, expenses, receipts — everything lives on your device, full stop. There's nothing to breach because there's nothing collected. Split a dinner, a trip, a grocery run, or rent. Add the people, add or scan the expenses, and settle up — that's it.

Finance apps want a monthly subscription, all your data and drown you with ads for just one app. Pony Up doesn't. Add modules to your own customizable dashboard to do what you'd previously need four separate apps for. Pony Up is a private money toolkit you actually own. Split bills with friends, build a budget, track your subscriptions, and pay off debt — all on your phone, for no monthly fees or premium tiers. Pick the tools you need, pay once, and keep them forever. YOUR FIRST MODULE IS FREE Try any tool free for 7 days. Keep one free forever. Add more for 99¢ each — or get a bundle of 3 for $1.99. No subscriptions, ever. More finance and productivity modules coming out every month! — SPLIT BILLS — Settle up with roommates, trips, and group dinners in seconds. Scan a receipt, split it any way you want (evenly, by item, by percentage), and see exactly who owes what. No more chasing people over text. — BUDGET PRIVATELY — See what's actually safe to spend after bills and goals. Track spending by category, set budgets that roll over, manage multiple accounts, and watch your net worth grow — without ever linking a bank account. — TRACK BILLS & SUBSCRIPTIONS — Never get surprise-charged again. Pony Up reminds you before bills are due and warns you before a free trial converts to a paid plan. Catch silent price hikes and see exactly what your subscriptions cost per year. — CRUSH DEBT — Get a clear payoff plan and your real debt-free date. Compare the snowball and avalanche methods, see how much interest you'll save, and run "what if I paid extra" scenarios. Watch your progress and celebrate every debt you clear. — IT ALL WORKS TOGETHER — Pony Up is the only app that connects your splits, budget, bills, and debt. Through the dashboard any combination of modules can seamlessly combine. Scan one receipt and it splits with friends AND logs to your budget. Your upcoming bills shape what's safe to spend. It's a complete money picture nothing else can give you. WHY PONY UP IS DIFFERENT - Private by design — no bank login, no servers, your data never leaves your phone and your iCloud. - Pay once — 99¢ per tool, or your first one free. No $10/month subscription draining your account. - Built around real life — splitting with friends, not just spreadsheets. - Syncs across your devices with iCloud, automatically. No accounts. No ads. No selling your data. Just the money tools you need, that you actually own. Download Pony Up and build your money toolkit today. — Pony Up provides informational tools only and does not offer financial, tax, investment, or legal advice. Figures and projections are estimates.