Split Expenses: PayUpp

PayUpp is a group expense splitter for friends, housemates, couples and families. Split expenses, share bills, see who owes who, and settle up — then plan the trip, dinner or festival the spending belongs to.

SPLIT EXPENSES, SEE WHO OWES WHO

Add a shared expense in seconds and split it equally, by exact amounts, by percentage or by shares. PayUpp shows every balance from your own point of view — what you are owed, what you owe — so nobody has to do the maths. One expense can have several payers, for when two of you covered the tab.

SETTLE UP IN THE FEWEST PAYMENTS

PayUpp works out the smallest set of payments that clears every debt in the group, so five people settle in two transfers instead of ten. Scheduled reminders keep it moving without anyone having to chase. PayUpp displays a friend's Bizum, Swish or IBAN so you can pay them in your own banking app — it never moves money and never asks for a bank login.

ANY CURRENCY, LOCKED THE DAY YOU SPEND

Split costs abroad in whatever currency you paid in. Every expense stores the exchange rate from the day it was written, so a trip you took last summer keeps last summer's value when rates move.

SHARE ONE BILL WITHOUT A GROUP

A quick split shares a single expense behind a link. Send it to anyone — they open it, see the amounts and settle up without an account and without downloading anything. Keep it as a one-off, or promote it into a full group later.

PLAN THE TRIP, NOT JUST THE BILL

Most bill splitting apps stop at the ledger. PayUpp keeps the plan beside the money:

• Propose a trip, a dinner or a festival inside your group
• Decide the dates with a poll instead of a hundred messages
• Vote on where to go and where to stay
• Post ideas, upvote them and comment on them
• Plan a budget per category, then compare it against what you really spent
• Assign who does what, or spin the roulette to pick someone at random

RACCOON OF THE MONTH

An optional monthly vote for the group member who is slowest to pay up. The winner owes a forfeit your group makes up. It is a running joke, never a ranking, and it never touches the ledger. Off by default.

PERFECT FOR

• Housemates splitting rent, bills and the weekly shop
• Trips and holidays with friends, in any currency
• Couples sharing costs without merging accounts
• Dinners, festivals, weekend trips and group gifts
• Anyone tracking shared expenses who is tired of a spreadsheet

FREE, AND NOT A SUBSCRIPTION

Your first group is free forever with every feature unlocked, and quick splits are always free and unlimited. PayUpp Pro adds unlimited groups for one payment of $9.99 — once, not every month. No features are held hostage behind the paywall and your data is never sold.

Meet Rocco, the raccoon who keeps score.