# Rocket Money vs Cost Split Payments

The clearest difference is review sentiment: Cost Split Payments at 75% against Rocket Money's 34%. Cost Split Payments also leads on ads (none vs shown) and rating (4.7 vs 4.5). Rocket Money's advantage is ratings volume (402K vs 11) and chart position (#3 vs unranked). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. Rocket Money sells 11 in-app purchases, starting at $2.99 per month 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.

Cost Split Payments holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Rocket Money has 402K ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 34% of Rocket Money's written reviews are positive against 75% of Cost Split Payments's.

Rocket Money ships an update weekly, Cost Split Payments fortnightly. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Rocket Money | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (402K ratings)](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675/reviews) | **[4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews)** |
| Number of ratings | **402K** | 11 |
| Positive reviews | 34.1% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#3** | — |
| Size | 168 MB | 35 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Rocket Money](https://appshunter.io/developer/1130616674) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### Rocket Money

[App page](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675)

**Currently charting:** #3 Top Grossing · Finance, #13 Top Free · Finance (US App Store)

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

**Highlights:** Cancel forgotten subscriptions, Negotiate lower bills, Track monthly expenses, Create custom budgets, Automate savings, Monitor net worth, Track credit score

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per month |
| Premium | $2.99 | per month |
| Premium | $4.99 | per month |
| Premium | $4.99 | per month |
| Premium | $5.99 | per month |
| Premium | $5.99 | per month |
| Premium | $6.99 | per month |
| Premium | $6.99 | per month |
| Premium | $8.99 | per month |
| Premium | $9.99 | per month |
| Premium | $11.99 | per month |

**What reviewers like**

- 🚀 Comprehensive financial tracking
- 👍 User-friendly interface
- 💰 Helpful budgeting and savings features
- 🔒 Secure account integration
- 🤑 Ability to negotiate and lower bills

**What reviewers complain about**

- 🐛 Buggy app performance and connectivity issues
- 💸 Misleading or ineffective bill negotiation service
- 🔍 Difficulty linking all accounts and transactions
- 🔑 Requires access to sensitive financial information
- 🕰 Lengthy setup and onboarding process

**Reported bugs**

- App crashes and freezes
- Inaccurate account balance and transaction tracking
- Inconsistent or missing subscription/bill cancellation

**Requested features**

- Ability to create custom budget categories
- Rollover budgeting feature to carry over unused funds
- Improved subscription and recurring bill management


### Cost Split Payments

[App page](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Plan | $4.99 | per 7 days |
| 6 Month | $8.99 | per 6 months |
| Yearly Plan | $17.99 | per year |
| 1 Month | $31.99 | per month |


## Frequently asked questions

### Is Rocket Money free?

Rocket Money 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, Rocket Money or Cost Split Payments?

Cost Split Payments is rated higher. Rocket Money averages 4.5 out of 5 from 402K ratings, while Cost Split Payments averages 4.7 from 11 ratings.

### Do Rocket Money or Cost Split Payments have ads?

Rocket Money shows ads; Cost Split Payments does not.

### Which is updated more often, Rocket Money or Cost Split Payments?

Rocket Money ships an update weekly, and Cost Split Payments fortnightly. Most recently, Rocket Money was updated on October 25, 2026 and Cost Split Payments on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*