Spend Split vs Pony Up

Spend Split is the budget planner that tracks your spending, splits bills with friends, and never forgets who SPEND WISELY. SPLIT FAIRLY. TRACK YOUR SPENDING • Add expenses in seconds with the built-in calculator • Smart categories and recent suggestions • Attach receipt photos to any transaction BUDGETS THAT ACTUALLY WORK • Set budgets per category • Real-time alerts before you overspend • Weekly, monthly, or yearly periods SPLIT BILLS WITHOUT THE DRAMA • Split group expenses equally or your way • Perfect for trips, dinners, and roommates NEVER FORGET WHO OWES YOU • Track money lent and borrowed • Due dates and partial repayments • Full history of every IOU 150+ CURRENCIES • Perfect if you live, work, or travel across borders • Set your home currency, record in any other YOUR DATA, SECURE • Encrypted cloud sync • We never sell your information TRY PREMIUM FREE FOR 1 MONTH No credit card required. Cancel anytime. Then continue free, or go Premium for $3.99/month. Now in 6 languages: English, Arabic, Spanish, Hindi, Indonesian, and Chinese. Terms of Use: https://getspendwise.co/terms Privacy Policy: https://getspendwise.co/privacy

Finance apps want a monthly subscription, all your data and drown you with ads for just one app. Pony Up doesn't. Add modules to your own customizable dashboard to do what you'd previously need four separate apps for. Pony Up is a private money toolkit you actually own. Split bills with friends, build a budget, track your subscriptions, and pay off debt — all on your phone, for no monthly fees or premium tiers. Pick the tools you need, pay once, and keep them forever. YOUR FIRST MODULE IS FREE Try any tool free for 7 days. Keep one free forever. Add more for 99¢ each — or get a bundle of 3 for $1.99. No subscriptions, ever. More finance and productivity modules coming out every month! — SPLIT BILLS — Settle up with roommates, trips, and group dinners in seconds. Scan a receipt, split it any way you want (evenly, by item, by percentage), and see exactly who owes what. No more chasing people over text. — BUDGET PRIVATELY — See what's actually safe to spend after bills and goals. Track spending by category, set budgets that roll over, manage multiple accounts, and watch your net worth grow — without ever linking a bank account. — TRACK BILLS & SUBSCRIPTIONS — Never get surprise-charged again. Pony Up reminds you before bills are due and warns you before a free trial converts to a paid plan. Catch silent price hikes and see exactly what your subscriptions cost per year. — CRUSH DEBT — Get a clear payoff plan and your real debt-free date. Compare the snowball and avalanche methods, see how much interest you'll save, and run "what if I paid extra" scenarios. Watch your progress and celebrate every debt you clear. — IT ALL WORKS TOGETHER — Pony Up is the only app that connects your splits, budget, bills, and debt. Through the dashboard any combination of modules can seamlessly combine. Scan one receipt and it splits with friends AND logs to your budget. Your upcoming bills shape what's safe to spend. It's a complete money picture nothing else can give you. WHY PONY UP IS DIFFERENT - Private by design — no bank login, no servers, your data never leaves your phone and your iCloud. - Pay once — 99¢ per tool, or your first one free. No $10/month subscription draining your account. - Built around real life — splitting with friends, not just spreadsheets. - Syncs across your devices with iCloud, automatically. No accounts. No ads. No selling your data. Just the money tools you need, that you actually own. Download Pony Up and build your money toolkit today. — Pony Up provides informational tools only and does not offer financial, tax, investment, or legal advice. Figures and projections are estimates.