# Shaggle vs Payback

The clearest difference is iOS requirement: Payback at 15.1 against Shaggle's 18.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Shaggle sells 2 in-app purchases, starting at $3.99 per year and Payback sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Shaggle ships an update every 11 days, Payback every 3 weeks. The most recent releases landed on October 28, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Shaggle | Payback |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payback-money-and-expenses/id6761522271/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 3 weeks |
| Monetization | — | Free |
| Size | 17 MB | 47 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Haus](https://appshunter.io/developer/1821613594) | [Nivesh Kumar](https://appshunter.io/developer/1881289532) |

## What reviewers say

### Shaggle

[App page](https://appshunter.io/ios/app/shaggle-split-subscriptions/id6747472194)

**Features:** iPhone Duo support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Yearly Subscription | $3.99 | per year |
| Shaggle Pro (lifetime) | $7.99 | one-time |


### Payback

[App page](https://appshunter.io/ios/app/payback-money-and-expenses/id6761522271)

Easily track money lent, borrowed, and shared expenses. This app offers a private, local-first solution for managing personal finances and informal lending without requiring an account or bank connection. It simplifies splitting bills, tracking recurring payments, and managing debts between individuals.

**Highlights:** Track lending and borrowing, Split expenses equally or by exact amounts, Manage personal and split spending, Track bills and recurring payments, Set custom reminders, Local-first data storage, Optional encrypted iCloud backup

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payback Pro Monthly | $0.99 | per month |
| Payback Pro Yearly | $3.99 | per year |
| Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is Shaggle free?

Shaggle is free to download, with in-app purchases available.

### Is Payback free?

Payback is free to download, with in-app purchases available.

### Do Shaggle or Payback have ads?

Neither Shaggle nor Payback shows ads.

### Which is updated more often, Shaggle or Payback?

Shaggle ships an update every 11 days, and Payback every 3 weeks. Most recently, Shaggle was updated on October 28, 2026 and Payback on October 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*