Comparison

Expense Split vs Cost Split Payments

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Expense Split

Easily split shared expenses with friends, roommates, or travel companions. This tool automates calculations, handles custom splits, and provides clear balance breakdowns to simplify debt settlement without awkward conversations.

Highlights
  • Split bills in seconds
  • Customizable and smart splits
  • Intelligent expense suggestions
  • Organized group overviews
  • Real-time collaboration
  • Simplified debt settlement
  • Privacy-focused, no account needed
Features
Read full description

Welcome to Expense Split - Your Ultimate Bill Divvy Tool! Stop Awkward "Who Owes What?" Conversations Split bills fairly with friends, roommates, and travel buddies without the spreadsheets, math errors, or awkward money talks. SPLIT ANY BILL IN SECONDS - Add expenses with a few taps - Everyone pays their fair share automatically - Works for dinners, rent, trips, or any shared cost CUSTOM SPLITS WITH SMART LOCKS - Lock specific amounts while adjusting others - Perfect for unequal splits (ordered steak vs salad?) - No more "wait, change that back!" moments - Others auto-adjust to keep total at 100% INTELLIGENT & AUTOMATIC - AI suggests expense categories as you type (Supports iPhone 15 Pro and above) - Quick-add friends from your other groups - Remembers your preferences - No more repetitive data entry ORGANIZED GROUP OVERVIEW - See "3 people · 7 expenses" at a glance - Know what's in each group before opening - Track multiple groups effortlessly - Empty states guide you when starting out REAL-TIME COLLABORATION - Share groups with roommates via CloudKit - Everyone sees updates instantly - Set view-only or editing permissions - No more "did you add that expense?" texts SETTLE UP WITHOUT THE AWKWARDNESS - Crystal-clear balance breakdowns - Simplifies debts to fewest transactions - Export records as CSV for bookkeeping - Know exactly who owes whom PRIVACY FIRST - No account required—start immediately - Your data stays on your devices - Optional iCloud sync across iPhone, iPad, Apple Watch - No ads, no tracking, no nonsense Perfect for: - Roommates splitting rent, utilities, groceries - Friends sharing dinner bills or concert tickets - Couples tracking joint expenses - Travel groups managing vacation costs - Families organizing shared purchases Premium Features Available: Unlock advanced features with one simple purchase-no confusing tiers or subscriptions. All features, one price, forever. Join thousands who've stopped arguing about money. Download ExpenseSplit and make bill splitting simple.

About

Cost Split Payments

Effortlessly manage shared expenses with friends, roommates, or travel buddies. This app automates calculations, tracks debts, and categorizes spending, making financial coordination simple and stress-free. Enjoy offline functionality for tracking expenses anytime, anywhere.

Highlights
  • Create and manage groups
  • Log expenses with details
  • Automatic expense calculations
  • Track and settle debts
  • Customizable expense categories
  • Offline expense tracking
Features
Read full description

Splitility: Simplify Expense Sharing Splitility is the ultimate app for managing shared expenses, whether you're planning a trip, splitting rent, or organizing a night out. Say goodbye to awkward money talks and let Splitility do the heavy lifting for you! Key Features: * Create Groups: Quickly set up groups for any shared experience—perfect for friends, roommates, or travel buddies. * Track Expenses: Log expenses effortlessly with detailed descriptions, amounts, and participant selection. * Automatic Calculations: No more messy math! Splitility ensures fair and accurate expense splits. * Debt Management: Instantly see who owes whom and keep things balanced with easy settlement options. * Customizable Categories: Categorize your expenses (food, transportation, entertainment, and more) for better tracking. * Offline Functionality: Track expenses anytime, anywhere—no internet required! Why Choose Splitility? * Intuitive and user-friendly interface. * Works great for everything from road trips to daily expenses. * Keeps your finances organized and relationships stress-free. Download Splitility today and make sharing expenses simple!

Screenshots

Expense Split4 screens
Cost Split Payments4 screens

Verdict

The call

Expense Split and Cost Split Payments both sit at 4.7 stars, but that hides the real split: 75% of Cost Split Payments's written reviews are positive against 33% of Expense Split's. On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expense Split sells 4 one-off in-app purchases and Cost Split Payments sells 4 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Expense Split against 4.7 for Cost Split Payments. Both are backed by a comparable volume of ratings — 20 and 11 respectively. Written reviews are what separate them: 33% of Expense Split's written reviews are positive against 75% of Cost Split Payments's.

UpkeepUpdate frequency

Expense Split ships an update every 2 weeks, Cost Split Payments fortnightly. The most recent releases landed on July 30, 2026 and September 11, 2026 respectively.

Scorecard1 real difference · 9 level
Expense Split versus Cost Split Payments: the parameters behind the verdict, then further details
ParameterExpense SplitCost Split Payments
PriceFreeFree
Rating4.7 (20 ratings)4.7 (11 ratings)
Positive reviews33.3% of reviews75.0% of reviews — better
Number of ratings20 — better11
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.616.0 — better
Further details — not scored
Size8 MB35 MB
Age rating4+4+
DeveloperS Ravi ShankarNadiia Martyniuk

Customer experience

Expense Split

All ratings19 ratings
Positive89.5%
Neutral5.3%
Negative5.3%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Cost Split Payments

All ratings11 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

4 purchases

Expense Split

One-time4
  • Share Settle Up PDF$0.99
  • Export CSV$1.99
  • All Pro Features$2.99
Show 1 more
  • All Premium Features$2.99
4 purchases

Cost Split Payments

Subscriptions4
  • Weekly Plan3 Days trial$4.997 Days
  • 6 Month3 Days trial$8.996 Months
  • Yearly Plan$17.991 Year
Show 1 more
  • 1 Month$31.991 Month

Questions

Is Expense Split free?
Expense Split is free to download, with in-app purchases available.
Is Cost Split Payments free?
Cost Split Payments is free to download, with in-app purchases available.
Which has better reviews, Expense Split or Cost Split Payments?
Expense Split and Cost Split Payments are both rated 4.7 out of 5 on the App Store, from 20 and 11 ratings respectively.
Do Expense Split or Cost Split Payments have ads?
Neither Expense Split nor Cost Split Payments shows ads.
Which is updated more often, Expense Split or Cost Split Payments?
Expense Split ships an update every 2 weeks, and Cost Split Payments fortnightly. Most recently, Expense Split was updated on July 30, 2026 and Cost Split Payments on September 11, 2026.

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