# Cospender vs PayForMe

The clearest difference is in-app purchases: PayForMe at none against Cospender's 1. PayForMe also leads on rating (5.0 vs 4.7). Cospender's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (29 vs 2). On price, review sentiment and ads there is nothing between them.

Both are free to download. Cospender sells 1 in-app purchase, starting at $4.99 per year. PayForMe asks for nothing beyond the download.

PayForMe holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Cospender has 29 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 79% of Cospender's written reviews are positive against 82% of PayForMe's.

Cospender ships an update every 3 weeks, PayForMe every 4 months. The most recent releases landed on October 10, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Cospender | PayForMe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (29 ratings)](https://appshunter.io/ios/app/cospender-split-expenses/id962443495/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/payforme/id1500428306/reviews)** |
| Number of ratings | **29** | 2 |
| Positive reviews | 79.0% of reviews | **81.8% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 7 MB | 4 MB |
| Requires iOS | **8.2** | 15.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Stephan Bordera](https://appshunter.io/developer/424834018) | [Jona Koenig](https://appshunter.io/developer/1764825010) |

## What reviewers say

### Cospender

[App page](https://appshunter.io/ios/app/cospender-split-expenses/id962443495)

Easily manage shared expenses with friends, family, or partners. Create groups, add expenses, and see automatic debt calculations. Track spending with graphs and set up recurring costs. Integrates with Apple Watch and notification widgets for quick access.

**Highlights:** Create expense groups, Invite members to share, Automatic debt calculation, Detailed expense graphs, Recurring expense setup, Apple Watch integration, Notification center widget

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cospender Premium One Year | $4.99 | per year |


### PayForMe

[App page](https://appshunter.io/ios/app/payforme/id1500428306)

Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.

**Highlights:** Track borrowed money, Manage multiple projects, View member balances, Create and update bills, Clear individual debts, Color-coded user differentiation

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Cospender free?

Cospender is free to download, with in-app purchases available.

### Is PayForMe free?

PayForMe is free to download, with no in-app purchases.

### Which has better reviews, Cospender or PayForMe?

PayForMe is rated higher. Cospender averages 4.7 out of 5 from 29 ratings, while PayForMe averages 5.0 from 2 ratings.

### Do Cospender or PayForMe have ads?

Neither Cospender nor PayForMe shows ads.

### Which is updated more often, Cospender or PayForMe?

Cospender ships an update every 3 weeks, and PayForMe every 4 months. Most recently, Cospender was updated on October 10, 2026 and PayForMe on October 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*