PayMeLater IOU Friend Debt Tracker

Remember who paid and stop arguing. Extremely simple tracker

13 followers

Remember who paid and stop arguing. Extremely simple tracker

13 followers

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PayMeLater is the friendly way to track money between friends. Log who owes what with the reason and date attached, split bills item by item, and settle up with the fewest possible transfers. Friends don't need the app for you to keep your own ledger — and if they join later, shared bills sync automatically. Free to download and use, with no ads. iOS & Android.

This is the 2nd launch from PayMeLater IOU Friend Debt Tracker. View more

PayMeLater IOU Tracker + Bill Splitting

Launched this week

Split bills with multiple friends simply with Drag and Drop

PayMeLater now splits bills item by item. Add the bill, drag friends onto what they actually had, and shares come out exact to the penny — tips split in proportion, discounts included, multiple payers handled. One tap turns the split into IOUs with reasons and dates attached, settled with the fewest possible transfers. Friends don't need the app: keep your own ledger, and shared bills sync when they join later. Free, no ads, multi-currency.

PayMeLater IOU Tracker + Bill Splitting gallery image

Free

Launch tags:Android•Fintech•Money

Launch Team

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Promoted

Maker

📌

Hey Product Hunt! Maker here. PayMeLater started from a small observation. Don't track which items are settled. Just how much in total is settled for each friend. So the first version was a simple IOU ledger where every entry keeps its reason, date and history, with a running tally. This launch is the piece people kept asking for: proper bill splitting. The design goal was to make the fair split as fast as the lazy one — you add the bill, drag friends onto the items they actually had, and the maths just works: tips split in proportion to what each person consumed, discounts apply, multiple payers are handled, and every share is exact to the penny. One tap turns the result into IOUs on each person's balance, settled with the fewest possible transfers. Two deliberate choices worth flagging: • Your friends don't need the app. You can split a bill and keep the ledger entirely on your own; if a friend joins later, the shared bills naming them sync retroactively. • No payment reminders, by design. The record does the remembering so nobody has to do the nagging. It's free to download and use, with no ads. Would love your feedback — especially on where the fairness maths should go next. Happy to answer anything

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3d ago

Previous PayMeLater IOU Friend Debt Tracker Launches

PayMeLater IOU Friend Debt TrackerRemember who paid and stop arguing

Launched on November 22nd, 2024