Comparison

Splid vs PayForMe

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

Head to head
About

Splid

Easily track and settle group expenses for holidays, housemates, or relationships. Enter all costs and see who owes what, even with complex or multi-currency transactions. Works online and offline with no sign-up required.

Highlights
  • Track group expenses
  • Settle up easily
  • Online and offline functionality
  • Multi-currency support
  • PDF/Excel export
  • Handles complex transactions
Features
Read full description

Perfect for holidays, housemates or your relationship, Splid helps you to stay on top of your expenses and settle up in an easy, relaxed way. No more fiddling about with change, lost receipts, or disagreements about the balance. Simply enter all your expenses and Splid shows you who owes how much to whom. And the best thing: Splid works on and offline. Create an offline group and get settling up under control within seconds. Or, activate the sync to enter expenses together. It's simple, and there's no sign-up required. Even complicated bills can dealt with quickly and easily with Splid: – Emma paid the supermarket bill but Leo contributed $10? No problem. – Your expenses are in dollars but you want to settle up in euros? Done.  – Hannah had two more drinks than everyone else? Easy-peasy.  All features at a glance: (+) Clean interface that's super easy to use. (+) Share groups online (no sign-up needed). (+) Also works perfectly offline. (+) Download summaries as PDF or Excel* files that are easy to understand. (+) Choose from more than 150 currencies and let Splid automatically convert the amount. (+) Handles even complicated transactions (for example, adding multiple payees or splitting bills unequally). (+) You'll handle as few payments as possible because Splid always finds the easiest way to settle up.  (+) Find out how much your group has spent in total. *Excel export available via in-app purchase.

About

PayForMe

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
Read full description

PayForMe is an app to track borrowing money between friends. It either uses Cospend on your Nextcloud instance or iHateMoney as a backend, and has the following features: - Show listed bills - Create new bills - Balance of project members - Handling several projects - Colorcodes to differentiate users - Update bills - Delete bills - Clearing debt of single members - Setting a default payer on a project basis

Screenshots

Splid4 screens
PayForMe4 screens

Verdict

The call

The clearest difference is in-app purchases: PayForMe at none against Splid's 2. Splid's advantage is ratings volume (4K vs 2) and review sentiment (98% vs 82%). On price, rating, update cadence and ads 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. Splid sells 2 one-off in-app purchases. PayForMe asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Splid against 5.0 for PayForMe. That said, the two scores are not equally well evidenced: Splid has 4K ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 98% of Splid's written reviews are positive against 82% of PayForMe's.

UpkeepUpdate frequency

Splid ships an update every 3 months, PayForMe every 4 months. The most recent releases landed on October 12, 2026 and October 5, 2026 respectively.

Scorecard4 real differences · 6 level
Splid versus PayForMe: the parameters behind the verdict, then further details
ParameterSplidPayForMe
PriceFreeFree
Rating4.9 (4K ratings)5.0 (2 ratings) — better
Positive reviews98.1% of reviews — better81.8% of reviews
Number of ratings4K — better2
Update frequencyEvery 3 months — betterEvery 4 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size12 MB4 MB
Age rating4+4+
DeveloperNicolas JerschJona Koenig

Customer experience

Splid

All ratings3,991 ratings
Positive98.7%
Neutral0.3%
Negative1.0%
Written reviews2,366 reviews
Positive98.1%
Neutral0.8%
Negative1.1%

PayForMe

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

Bugs and requests

Splid

Reported bugs

2 issues
  • Incorrect expense split calculations
  • Inability to delete or edit past expenses

Requested features

5 requests
  • Add ability to attach receipts/photos
  • Implement recurring expense tracking
  • Improve currency conversion handling
  • Allow custom expense categorization
  • Provide more detailed expense reporting

PayForMe

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Splid

One-time2
  • 2 Groups$2.99
  • Splid Plus$3.99
None

PayForMe

No in-app purchases

Questions

Is Splid free?
Splid 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, Splid or PayForMe?
PayForMe is rated higher. Splid averages 4.9 out of 5 from 4K ratings, while PayForMe averages 5.0 from 2 ratings.
Do Splid or PayForMe have ads?
Neither Splid nor PayForMe shows ads.
Which is updated more often, Splid or PayForMe?
Splid ships an update every 3 months, and PayForMe every 4 months. Most recently, Splid was updated on October 12, 2026 and PayForMe on October 5, 2026.

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