Paynium vs SplitSecond
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paynium
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Stay on top of your finances with Payment Tracker — the ultimate tool for managing your cards, expenses, and assets in one seamless app. Payment Tracker helps you organize every detail of your financial life. From monthly bills and subscriptions to income, recurring transactions, and card balances, everything is right where you need it — clean, smart, and effortless. Monitor your income and expenses with beautiful charts. Set reminders for upcoming payments, and let the app automatically adjust due dates for weekends and public holidays. Payment Tracker syncs your data securely with iCloud so your information stays up to date across all your devices. Key Features: • Track payments, cards, and expenses in one place • Smart reminders prevent missed due dates • Recurring transactions with automatic scheduling • Monthly and annual spending insights • Income and expense analytics with elegant charts • Asset management and balance overview • CloudKit sync for iCloud-based data backup • Clean, modern design built with SwiftUI Take control of your financial routine — stay organized, save time, and focus on what matters. Payment Tracker makes financial clarity beautifully simple. — Subscription Information: Unlock the full potential of Payment Tracker with our Premium Monthly Subscription. • Title: Premium Monthly • Length of Subscription: 1 Month • Price: Please check the app for local pricing. Payment will be charged to your iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage your subscriptions and turn off auto-renewal by going to your Account Settings after purchase. Privacy Policy: https://ozgungungor.github.io/Payment-Tracker/privacy.html Terms of Use (EULA): https://ozgungungor.github.io/Payment-Tracker/terms.html
SplitSecond
Effortlessly divide bills and calculate tips for group outings. Send payment requests instantly via popular apps. Customize settings for a personalized experience.
- Fast bill splitting
- Automatic tax calculation
- Quick tip buttons
- Split 2-99 ways
- Send payment requests
- Works offline
- Privacy focused
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Tip calculator + split tab in seconds—right at the table with zero math and zero awkwardness. SplitSecond is the fastest way to calculate tips, split a restaurant check, and send payment requests in 3 quick taps. No accounts required. No subscription. Works 100% offline. What you calculate stays on your device. HOW IT WORKS (3 TAPS. EVERY TIME.) Enter Total: Input the bill amount. Pick Tip: Select your percentage or custom tip rate. Split Tab: Tap how many people are paying. Your share appears instantly in large, readable numbers across the table. PAYMENTS MADE EASY Creates a ready-to-send request or payment amount with no extra steps or accounts needed: Venmo: Send a payment request instantly via deep link PayPal: Request your share without switching apps Cash App: Tap and go Zelle: Copy a ready-to-paste amount in one tap SMART DEFAULTS & ITEMIZATION Quick Tip Calculator: Instant 18%, 20%, 22%, 25%, or custom tip buttons Tax Options: Set your local tax rate once; calculate tips before or after tax Group Splitting: Split 2–99 ways with custom rounding modes per person Itemized Splitting (Pro): Assign specific meals and drinks to specific people—no more "I only had a side salad" arguments Saved Profiles (Pro): Store custom tip and tax defaults for 'Date Night', 'Work Lunch', or 'Food Truck' WORKS OFFLINE & PRIVACY FIRST No internet required. All calculations happen locally on your phone—perfect for basement bars, rooftop lounges, and cellular dead zones. No tracking, no mandatory sign-ups, and no ads. PRIVACY POLICY: https://splitsecondpay.com/privacy-policy.html TERMS OF SERVICE: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Download SplitSecond and never do table math again.
Screenshots
Verdict
The clearest difference is ads: SplitSecond at none against Paynium's shown. Paynium's advantage is update cadence (every 5 days vs fortnightly). On price, in-app purchases, device support and iOS requirement 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
Both are free to download. Paynium sells 1 in-app purchase, starting at $0.99 per month and SplitSecond sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Paynium ships an update every 5 days, SplitSecond fortnightly. The most recent releases landed on July 31, 2026 and September 10, 2026 respectively.
| Parameter | Paynium | SplitSecond |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (4 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 4 — better |
| Update frequency | Every 5 days — better | Fortnightly |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | — | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 7 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | ozgun gungor | Raymond Rothwell |
In-app purchases
Paynium
- Monthly Subscription$0.991 Month
SplitSecond
- SplitSecond Pay Pro$0.99









