Joint Expense vs Spendly
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Spendly
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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
Verdict
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
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.
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.
| Parameter | Joint Expense | Spendly |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 11.0 — better | 17.1 |
| Further details — not scored | ||
| Size | 9 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | Vishal Chaudhry | Mykhailo Dykun |
In-app purchases
Joint Expense
- Unlimited Expenses$1.99
Spendly
- Tip $0.99 for Bill Split$0.99
Questions
Is Joint Expense free?
Is Spendly free?
Do Joint Expense or Spendly have ads?
Which is updated more often, Joint Expense or Spendly?
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