Who Owes Me vs Splitap

Keep track of who owes you and what you owe, and send a WhatsApp reminder without the awkwardness. Who Owes Me is the tab-and-debt ledger in your pocket: every amount has a name, a due date and a status, and you see at a glance what is still to collect and what is still to pay. COLLECT WITHOUT THE AWKWARDNESS • A ready-made WhatsApp message with what is outstanding and your PIX key. • A reminder on the due date with the total to collect or to pay, even with the app closed. ORGANIZE IT YOUR WAY • Installments and fixed payments, like monthly fees and rent. • Split one bill across several people at once. • Month and year summaries: how much you lent, borrowed and already received. FOLLOW EACH PERSON • A balance per person: "Owes me", "I owe" or "Settled". • Reliability calculated from on-time payments. • Contacts imported from your phone's address book. WITH FRIENDS ON THE APP • Anyone who also uses Who Owes Me sees the same debt from their side, reports that they paid, and you confirm with one tap. For anyone running a tab at a corner store, bar or salon, and for anyone who just wants to stop forgetting what they lent to friends and family. The Pro plan raises the limits and unlocks detailed charges, a custom message, year summary charts and an ad-free experience.

Splitap makes it easy to track shared expenses with friends, roommates, couples, and travel groups. Create groups, add expenses in seconds, and automatically calculate who owes what. Whether you're traveling, sharing rent, planning events, or managing daily expenses, Splitap keeps everything organized and transparent. Features • Split expenses with friends and groups • Real-time balance tracking • Smart settlement: clear every balance with the fewest payments • Receipt scanning that fills in the items for you • Split equally, by percentage, by custom amounts, or by item • Nearby sharing: hold your phones together to join a group or split a bill • Multi-currency groups with automatic exchange rates • Counters for the non-money stuff: who drove, who hosted, who cooked • Clean activity history and payment tracking Splitap helps groups spend less time calculating and more time enjoying the moment.