Comparison

SliceUp vs Payto

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

Head to head
About

SliceUp

Easily manage personal budgets and split group expenses with this AI-powered assistant. Track spending, categorize costs, and settle bills with friends and family seamlessly. Avoid awkward conversations and keep finances clear and organized.

Highlights
  • Personal budget tracking
  • Expense categorization
  • AI budget insights
  • Shared ledger for groups
  • Group bill splitting
  • Real-time expense updates
  • One-tap settlement
Features
Read full description

Meet SliceUp, the smart, fun way to manage both your personal budget and group spending! no spreadsheets, no awkward paybacks. Whether you’re tracking your daily coffee spend or splitting rent, brunch, or travel bills with friends, TheSliceUp keeps it all fair, clear, and drama-free. [Personal Budget Management] Track your expenses in real time. Categorize spending for coffee, food, travel, and more. Get visual insights and AI tips to understand where your money goes. [Shared Ledger] Keep one budget together with your partner, family, or roommates. Everyone adds income and expenses to the same ledger, in real time. See shared spending by category and by month at a glance. Plan together and stay on the same page, with no back-and-forth. [Group Bill Split] Add shared expenses instantly. Split evenly, by share, or with custom ratios. See exactly who owes who — no math needed. Settle up with one tap, no awkward reminders. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Payto

Effortlessly track expenses using voice commands and AI analysis. Get personalized insights, set budgets, and manage finances with your family. Choose from various AI personalities to guide your financial journey.

Highlights
  • Voice and natural language expense logging
  • AI chat assistant for financial queries
  • Personalized AI insights and analysis
  • Shared budgeting for families and partners
  • Customizable AI personalities
  • Detailed spending category tracking
Features
Read full description

Track your spending, grow your savings. Just say it out loud. AI sorts the category and saves it instantly. Every day, AI analyzes your habits and cheers you on. [ Record by Talking ] Say "lunch 7 dollars" or "three items at the convenience store." Speak or type naturally, and AI figures out the amount, category, and date. No need to pick a category yourself. [ Choose Your AI Personality ] Pick from 6 styles that match your vibe. Friendly Coach - warm encouragement Devil Mode - harsh truth when you need a push Strict Teacher - focused on hitting your goals Best Friend - relatable, casual, and real Wall Street Trader - ROI and opportunity cost breakdowns Minimalist - numbers and facts only Ask anything. How much did I spend on coffee this month? If I save 300 dollars a month, how much will I have in a year? Your AI answers right away. [ Monthly AI Deep Analysis ] Find out where you spent the most and where you wasted money. Get a full report with category breakdowns, last month comparisons, and saving tips. [ Together With Family and Partners ] Manage finances together with your partner, roommate, or family. Join with a single invite code and see who spent what in real time. [ Key Features ] - Voice and natural language input - AI chat assistant - Daily AI insight card - Monthly AI deep analysis report - 150+ detailed spending categories - Automatic fixed expense tracking - Monthly budget and reminder alerts - Installment payment tracking - Shared budget (invite members) - Dark mode [ Free to Start ] Core features are completely free. Start today and find out exactly where your money is going. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://payto.work/privacy

Screenshots

SliceUp4 screens
Payto4 screens

Verdict

The call

The clearest difference is update cadence: SliceUp at every 3 days against Payto's every 8 days. 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. SliceUp sells 2 in-app purchases, starting at $0.99 per month and Payto sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SliceUp ships an update every 3 days, Payto every 8 days. The most recent releases landed on November 9, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
SliceUp versus Payto: the parameters behind the verdict, then further details
ParameterSliceUpPayto
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews—100.0% of reviews
Number of ratings1 — better—
Update frequencyEvery 3 days — betterEvery 8 days
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size45 MB93 MB
Age rating4+9+
DeveloperILTAE KIMBeomjin In

Customer experience

SliceUp

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

Payto

Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

SliceUp

Subscriptions2
  • Plus$0.991 Month
  • Pro14 Days trial$3.991 Month
4 purchases

Payto

Subscriptions4
  • Ad-Free (Monthly)3 Days trial$1.991 Month
  • Payto Pro: Monthly7 Days trial$3.991 Month
  • Ad-Free (Annual)$5.991 Year
Show 1 more
  • Payto Pro (Annual)7 Days trial$34.991 Year

Questions

Is SliceUp free?
SliceUp is free to download, with in-app purchases available.
Is Payto free?
Payto is free to download, with in-app purchases available.
Do SliceUp or Payto have ads?
Both SliceUp and Payto show ads.
Which is updated more often, SliceUp or Payto?
SliceUp ships an update every 3 days, and Payto every 8 days. Most recently, SliceUp was updated on November 9, 2026 and Payto on November 5, 2026.

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