--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "PayUp: Personal Debt Tracker" developer_entity: "Nick Matthews" bundle_id: "com.nickmatthews.payup" app_store_id: "6740840670" category: "Finance" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2025-06-17" report_date: "2026-09-23" last_verified: "2026-09-23T00:00:00.000Z" report_version: "1.1.8" total_reviews: 8 overall_rating: 5 confidence: "low" confidence_score: 0.1 data_age_days: 53 momentum_velocity: "zombie" intelligence_version: 2 tags: ["finance", "freemium", "mobile app", "app review", "app analysis", "individuals", "manage", "shared"] canonical_url: "https://marlvel.ai/apps/payup-personal-debt-tracker" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # PayUp: Personal Debt Tracker Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Freemium - **Signal**: Rating 5 > **TL;DR:** PayUp: Personal Debt Tracker is a finance app by Nick Matthews, rated 5/5 by 8 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** PayUp: Personal Debt Tracker is a finance app by Nick Matthews. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (8 reviews) | | **Category** | Finance | | **Developer** | Nick Matthews | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | Low (0.1/1.0) | | **Data Age** | 53d | ## Metadata & Market Performance - **Publisher:** Nick Matthews - **Category:** Finance - **Target Audience:** Individuals who manage shared expenses, group trip costs, or personal loans and require a private, local-first tracking tool. - **Platforms:** iOS - **Version Reviewed:** 1.1.8 - **Report Date:** 2026-09-23 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.1/1.0) - **App Store ID (iOS):** 6740840670 - **Bundle ID:** com.nickmatthews.payup - **Data Window:** Analysis based on signals collected up to 2026-09-23 ## Executive Snapshot **What it is:** PayUp is a personal finance tool for tracking IOUs and shared expenses on iOS, utilizing local storage to ensure user privacy. **Why users hire it:** The app removes the friction of account creation and cloud-based data sharing, serving users who prioritize offline data ownership over social-sync features. ## App DNA (Features & Intent) - **[Basic] Debt and IOU Tracking:** Logs specific debts and IOUs from individuals to maintain a ledger of owed funds. * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. - **[Standard] Group Expense Splitting:** Divides shared costs among multiple participants to calculate individual shares. * *User Intent:* Users seek social connection and competitive engagement with peers. - **[Standard] Unlimited Records:** Removes the cap on debt entries; serves as a premium-tier gate for power users. * *User Intent:* Users seek enhanced value through premium features. - **[Differentiator] Media Attachments:** Allows images or receipts to be attached to entries; acts as a premium-tier differentiator. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Advanced Exporting:** Exports payment history to external formats; targets users reconciling with accounting tools. ## Market Position {#market-position} PayUp maintains a 5.0-star rating across 8 reviews on the iOS App Store, though the lack of updates since June 2025 limits its visibility in the competitive Finance category. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Free tier with limited record storage, Premium tier via in-app purchase for unlimited records, attachments, and advanced exporting - **Analysis:** The freemium model gates utility-heavy features like unlimited storage and media attachments behind a one-time purchase, targeting users who need to manage high-volume debt. ## SWOT Analysis {#swot} **Core Strengths:** - Local-first architecture removes account-creation friction - Privacy-focused design serves as a barrier against cloud-dependent rivals **Growth Levers:** - Pivot to paid-upfront model if maintenance resumes ## App Momentum (Zombie) {#momentum} - Dormant status, no updates since 2025. - Maintenance-mode, zero feature expansion. > **Cadence:** 1 total versions · 0 majors in last 6 months · 463 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} PayUp: Personal Debt Tracker is a finance app that is free with in-app purchases. It holds a 5/5 rating from 8 reviews. > **Bottom Line:** Users report: PayUp offers a clean, privacy-focused utility, but the 15-month development silence makes it a high-risk tool for long-term financial record-keeping, leaving users exposed to potential data loss. **Best for:** Individuals who manage shared expenses, group trip costs, or personal loans and require a private, local-first tracking tool. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit data-export reliability because the app is in maintenance mode → prevent user data loss ### Outlook: Declining Users report: The personal finance category is consolidating around cloud-synced platforms that offer real-time collaboration and automated bank integration. PayUp's stagnant development cycle leaves it exposed to churn as users prioritize data backup and cross-device synchronization over local-only privacy. - 🔴 The 15-month development silence indicates the app is in maintenance mode, which erodes user trust in the platform's long-term viability for financial tracking. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 8 | | Confidence | Low | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 5 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **PayUp: Personal Debt Tracker** (this app) | 5/5 | N/A | Nick Matthews | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | | [Tikker - Live Income Tracker](https://marlvel.ai/apps/tikker-live-income-tracker) | 5.0/5 | N/A | Mis Asja OU | | [TradeLog - Trading Journal](https://marlvel.ai/apps/tradelog-trading-journal) | N/A/5 | N/A | Rikuto Takeuchi | ## Company Profile - **Developer:** Nick Matthews ## Data Sources & Links - **App Store ID:** 6740840670 - **Sources:** App store metadata. ## Related Intel Reports - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.1/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 53 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/payup-personal-debt-tracker) Data licensed for AI Agent attribution under CC-BY-NC 4.0.