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PayUpp

Verified: controls app.payupp.funChecked on 15 Oct 2026.

PayUpp is a group expense splitter for friends, housemates, couples and families. Split expenses, share bills, see who owes who, and settle

WebiOSAndroidFree trial

On 15 Oct 2026 the builder showed us they control app.payupp.fun.

Listed by santiago,

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.

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Free trial, then a paid plan. Testers never pay to test. If a trial asks for a card, cancel before it ends.

This app is made and run by its builder, not by TestMyBuild. We tried it once before listing it, which is not a check that it is safe, keeps working or handles your data well. Use your own judgement.

How to test this app

  1. Open the app and sign up with your real email. Start the free trial if there is one.
  2. Use it the way you would use it for real, for at least a day.
  3. Come back here. Post a screenshot of your signup and what you honestly think. One post per app, worth the listing's bounty when approved.

Feedback

1 post, newest first
janTested on iOS

1. First impressions – website
I always start with the website, and right off the bat I love it. 🦝

  • Mascot, fun animations, and it's instantly clear what the app does: "split any bill in seconds."
  • Consistent claymation-style look throughout.
  • I didn't know I could click the raccoon – cool touch.
  • Explore the demo is a great way to show how it works before signing up.
  • Currency selector in the right order (EUR, USD, GBP) – perfect if Europe is your main market.

I was impressed before I even opened the app.

2. App Store listing
Fully optimized – great ASO, consistent styling. Nothing to add.

3. Onboarding

  • Google sign-in, loading animation and quick onboarding all work.
  • "What do you split most?" – the option "Just us two" is unclear. Not sure what it means (translation thing?).
  • Love the Argentina reference with the Sunday asado. Great detail.
  • Animations and swiping are smooth.

4. What I love

  • Everything just works – it feels watertight.
  • It picked up the Mexican peso automatically since I'm in Mexico.
  • Payment structure is well thought out; the pay-up button is great.
  • QR code + copy link for invites – very good.
  • Adding a payout method (my PayPal username) was super easy.
  • Tooltips – nice.
  • The spinning wheel is unique to you. Keep it.
  • Raccoon of the Month – fun concept.
  • "Unlock another group, share with 3 friends" – smart growth mechanic.
  • Lifetime Pro at $9.99 – very reasonable.
  • Statistics are nice.

5. Bugs & UX fixes

  1. Create Group dead end: Without a group name, the add-members button is greyed out with no explanation. Pre-fill a placeholder name, or keep the button clickable and show "Please add a group name."
  2. No contacts: Use this moment to invite people – show an overlay to add members so they stay in the flow.
  3. "Promote a permanent group": Can't go back. The X top right is visible but not clickable.
  4. Currency: Keeps defaulting to euro, and my preferred USD doesn't always stick. Add a default currency in the profile and ask for it during onboarding.
  5. Raccoon animation: Sometimes glitches with a purple/pink background (see screenshot).
  6. Payout details: Have people confirm their username before a payment goes out to avoid paying out the wrong bank account/paypal.

6. Feature suggestions

  • Make the quick split description optional.
  • Plus button on home: add an option to assign the expense to a group, with group search.
  • Spinning wheel: save the result so it can be shared when people aren't in the same room (maybe with a limit).

7. Positioning & marketing
Bill splitting is very competitive, so you need to stand out.

  • Define what makes you different. Why did you build this and not something else? That reason is your story. From what I see: yours is simple and way more fun. I studied in the Netherlands, where there are tons of these apps – simple, but boring.
  • Go in person. Universities, student housing, friend groups going on holiday: "I built this app, try it out." People want to help you when you present it face to face.
  • One user brings the whole group – that's your built-in advantage.
  • Have them delete the other apps. When you demo it, get people to uninstall their other splitting apps. If they do, I'm 100% sure they'll stick with yours.
  • Set a clear cash-flow goal. Campus marketing won't get you to $1M, but $1,000 in the first month (even the first 2 weeks) is doable if you put in the hours.
  • Bonus tip. Add a migration option. People will tell you for sure "I'd love to use it, but I have everything in SplitWise". Tell them, "Just click this 1 migration button and all your data from SplitWise is copied to PayFun."

Bottom line
This is really good. Simple, fun, polished – I genuinely think it can catch on. 👏

from the team