Comparison

Joint Expense vs Spendly

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

Head to head
About

Joint Expense

Manage group expenses with flexibility. Record shared costs, track money collected in advance, and generate detailed reports to settle balances. Ideal for trips, parties, or shared living situations.

Highlights
  • Record individual and shared expenses
  • Create a money bank for advance collection
  • Specify unequal participant dues
  • Combine different expense types
  • Generate detailed email reports
  • Duplicate existing events
Features
Read full description

If you are looking for an app to manage group expenses and need require a high degree of flexibility then this app is for you. Basic assumption of the calculation is that all expenses will be shared equally unless specified otherwise by providing different dues for a particular expense. A unique feature of the app is that in addition to the expense made by individuals for other group members, you can record money collected in advance from the group members and make expenses out of the collected money. Both expense types can be combined into a single event and are considered during report generation. Track expenses Individual paying for other members of the group Key Features: • Record individual but shared expenses made by participants within an event (“Individual – Shared”) • Create a “Money Bank” in advance (if needed) • Create money contribution entries with equal or unequal amount from participants • Specify different dues from each participant on per expense basis • Combine both “Individual – Shared” and “Money Bank” expenses in a single event for extra flexibility • Generate a report detailing the transactions needed to even out the contribution of each participant towards an event • Generate a detailed email report with email addresses (if available) of the participants auto populated • Create a contact within the app by entering details manually or picking contact information from the iOS address book • View a report detailing each participant’s contribution at any time during the event, which helps to understand the disparity (if any) in contributions • Duplicate easily, an existing event without its expenses. Useful when starting a new event with same set of participants or when a participant joins or leaves an event Following are some of the situations where this app can be used: • Track shared expenses between friends when on an outing or trip together • Tracking expenses for co-hosted/joint party with friends • Track common expenses with a room-mates • Situations where expenses are shared between multiple parties • You can even use the app to record your personal expenses If you are looking for an easy to use, well designed and flexible expense sharing app then look no further. Note: The app does numerical calculations, which are prone to minor inaccuracies due to numbers that are not perfectly divisible and rounding.

About

Spendly

Features
Read full description

Manage shared expenses effortlessly and keep every group settlement fair and transparent. This app helps friends, families, roommates and travel groups split bills, track shared expenses, calculate who owes who, and settle up quickly with clear, simple summaries. Whether you’re splitting a dinner check, planning a trip, managing group costs, or tracking ongoing shared bills, the app provides an easy and smart way to stay organized. Add payments, note who paid, and instantly see a detailed breakdown of split expenses, shared bills, group costs, and balanced settlements. Every calculation is automatic — so no one needs to do the math manually and no one overpays. The app helps eliminate awkward money conversations by showing a transparent view of all group expenses. For users who want a clean, shareable report, you can unlock the PDF export feature for just $0.99. Generate a professional-looking PDF summary of all expenses, including totals, individual balances, and who owes who. Then share the PDF with your contacts through any messenger or email. Key features include: • Smart and automatic bill splitting • Clear “who owes who” summaries • Tracking for group trips, friends, families, and roommates • Split bills, split check, shared expenses, group expenses • Optional PDF export unlocked for $0.99 • Fast, accurate calculations with no manual math By using the app, you agree to Apple’s Standard End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy https://www.freeprivacypolicy.com/live/db0eed36-090d-45f7-aab1-51024eef329b

Screenshots

Joint Expense4 screens
Spendly4 screens

Verdict

The call

The clearest difference is device support: Joint Expense at 3 against Spendly's 1. Joint Expense also leads on iOS requirement (11.0 vs 17.1). On price, update cadence, ads and in-app purchases 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. Joint Expense sells 1 one-off in-app purchase and Spendly sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Joint Expense ships an update every 6 weeks, Spendly every 3 weeks. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 6 level
Joint Expense versus Spendly: the parameters behind the verdict, then further details
ParameterJoint ExpenseSpendly
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS11.0 — better17.1
Further details — not scored
Size9 MB9 MB
Age rating4+4+
DeveloperVishal ChaudhryMykhailo Dykun

In-app purchases

1 purchases

Joint Expense

One-time1
  • Unlimited Expenses$1.99
1 purchases

Spendly

One-time1
  • Tip $0.99 for Bill Split$0.99

Questions

Is Joint Expense free?
Joint Expense is free to download, with in-app purchases available.
Is Spendly free?
Spendly is free to download, with in-app purchases available.
Do Joint Expense or Spendly have ads?
Neither Joint Expense nor Spendly shows ads.
Which is updated more often, Joint Expense or Spendly?
Joint Expense ships an update every 6 weeks, and Spendly every 3 weeks. Most recently, Joint Expense was updated on October 24, 2026 and Spendly on October 28, 2026.

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