Comparison

Pay with Sublime vs Spendulge

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

About

Spendulge

Effortlessly track and split shared expenses for trips, roommates, or group events. Seamlessly integrate with popular payment apps to settle debts quickly and avoid awkward conversations.

Highlights
  • Log group expenses
  • Split bills instantly
  • Settle up with payment apps
  • Track shared costs
  • Manage roommate bills
  • Organize group event costs
Features
Read full description

Spendulge is the all-in-one group expense tracker built for real life. Whether you're on a trip, sharing bills with roommates, organizing a group dinner, or splitting rent and utilities, Spendulge makes it easy to manage and split shared expenses. Say goodbye to awkward spreadsheets, endless reminders, and confusing “Who owes who?” texts. Spendulge is your simple, clear, and powerful bill splitting app for any group situation. With Spendulge, you can log group expenses, split bills instantly, and settle up with ease using your favorite peer-to-peer payment platforms like PayPal, Venmo, Cash App, and Apple Pay. Simply save your payment usernames once, and friends can send or request money without ever needing to ask again. No more searching for handles or sending awkward messages—just tap to pay, and Spendulge launches the selected app with the amount and recipient pre-filled. It’s the fastest, cleanest way to pay people back. Designed for groups of all kinds, Spendulge works perfectly as a: Roommate expense tracker Travel expense splitter Friends bill splitter app Shared meal calculator Group gift expense organizer Event or party cost manager It’s ideal for housemates, couples, travel buddies, coworkers, classmates, and families. Whether you're splitting rent, groceries, rideshares, or fun nights out, Spendulge helps keep things transparent and fair. Just create a group, start logging shared expenses, and keep everyone on the same page. Every expense is tracked, and every person knows exactly what they owe. You can easily record who paid, split costs evenly or manually, and view detailed logs of all group transactions. No more confusion. No more forgetting. Just peace of mind. We built Spendulge because we believe managing group expenses shouldn’t be complicated or awkward. You deserve a group money app that’s smart, easy, and stress-free. Spendulge is the best expense tracker app for friends who want to stay organized—and stay friends. From casual coffee runs to once-in-a-lifetime getaways, Spendulge is the smarter way to split, track, and settle shared costs. Download the app today and experience how effortless group money can be.

Screenshots

Pay with Sublime4 screens
Spendulge4 screens

Verdict

The call

The clearest difference is ratings volume: Pay with Sublime at 229 against Spendulge's 2. Spendulge's advantage is rating (5.0 vs 4.7) and review sentiment (100% vs 86%). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Spendulge holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Pay with Sublime has 229 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 86% of Pay with Sublime's written reviews are positive against 100% of Spendulge's.

Scorecard4 real differences · 6 level
Pay with Sublime versus Spendulge: the parameters behind the verdict, then further details
ParameterPay with SublimeSpendulge
PriceFreeFree
Rating4.7 (229 ratings)5.0 (2 ratings) — better
Positive reviews85.7% of reviews100.0% of reviews — better
Number of ratings229 — better2
Update frequencyEvery 9 days—
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.513.0 — better
Further details — not scored
Size61 MB42 MB
Age rating17+4+
DeveloperSublime Payments CompanySpendulge LLC

Customer experience

Pay with Sublime

All ratings157 ratings
Positive92.4%
Neutral1.9%
Negative5.7%
Written reviews14 reviews
Positive85.7%
Neutral0.0%
Negative14.3%

Spendulge

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Pay with Sublime

No in-app purchases

None

Spendulge

No in-app purchases

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Spendulge free?
Spendulge is free to download, with no in-app purchases.
Which has better reviews, Pay with Sublime or Spendulge?
Spendulge is rated higher. Pay with Sublime averages 4.7 out of 5 from 229 ratings, while Spendulge averages 5.0 from 2 ratings.
Do Pay with Sublime or Spendulge have ads?
Neither Pay with Sublime nor Spendulge shows ads.

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