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PayMeLater IOU Tracker + Bill Splitting
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.
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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About PayMeLater IOU Tracker + Bill Splitting on Product Hunt
“Split bills with multiple friends simply with Drag and Drop”
PayMeLater IOU Tracker + Bill Splitting was submitted on Product Hunt and earned 3 upvotes and 1 comments, placing #152 on the daily leaderboard. 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 was featured in Android (57.4k followers), Fintech (47.3k followers) and Money (4.6k followers) on Product Hunt. Together, these topics include over 68.5k products, making this a competitive space to launch in.
Who hunted PayMeLater IOU Tracker + Bill Splitting?
PayMeLater IOU Tracker + Bill Splitting was hunted by Nicolai Kolandjian. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Nicolai Kolandjian