Roommate Bill Splitter vs Pony Up

Stop losing track of who owes what. Split handles every household expense - rent, groceries, utilities, takeout, fees - calculates running balances instantly, and finds the simplest path to settle up. Whether you lend money to a roommate or borrow to cover a shared bill, Split keeps an honest ledger of every transaction. KNOW YOUR BALANCES INSTANTLY Your home screen shows your net balance with each roommate the moment you open the app. Green means you are owed. Red means you owe. Live, automatic, no mental math required. TRACK EVERY EXPENSE IN SECONDS Log any tab or household expense in under 5 seconds. Choose equal splits, custom amounts, or percentage dues - you decide how costs are divided. Every category covered: food, transport, home, utilities, health, entertainment. THE SMARTEST WAY TO SETTLE UP Split's algorithm minimizes the number of payments needed. Instead of a tangled web of IOUs, you get a clear settlement ledger: "Jake pays Sarah $48, Sarah pays Alex $23." No back-and-forth. No forgotten owing. BUILT FOR REAL HOUSEHOLDS - Up to 3 roommates free, up to 8 with Pro - Recurring bills for rent, utilities, and subscriptions - Full balance history and settlement records - Works completely offline - no internet required - Search and filter your expense history SPLIT PRO - THE FULL EXPERIENCE Upgrade to unlock everything: - AI Roommate Advisor - smart suggestions for fair bill splits - Expense analytics with monthly breakdowns and charts - Unlimited roommates (up to 8) - Unlimited recurring bills - Receipt photo attachments - CSV export for your records - Custom app icons YOUR DATA, YOUR CONTROL Everything stays on your device with iCloud sync. No account required. No ads. No selling your data. Delete all your data anytime from the Profile tab. Sign in with Apple for optional personalization - no password, no email required. Download Split free. See exactly who owes what - before you decide to go Pro. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.