Comparison

SPEND vs Monet

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

Head to head
About

SPEND

Effortlessly manage group expenses for trips, gatherings, and more. This app intelligently calculates and distributes costs, even handling currency exchange rates and allowing exclusion of specific participants from transactions.

Highlights
  • Expense and transfer tracking
  • Currency exchange rate support
  • Selective participant involvement
  • Automatic remaining amount distribution
  • Export to Excel (CSV)
  • Individual transaction lists
Features
Read full description

Split bills, settle group expenses and track travel costs in one place. Split dinner with friends in a few taps, or keep track of a trip day by day. SPEND helps you go from a quick calculation to recording expenses and settling up. β–  QUICK SPLITS, WITHOUT THE SETUP Enter amounts and a headcount without creating an event. Add several amounts, revisit recent calculations and make changes. Turn a calculation into a new event when you want to keep recording. β–  A PLACE FOR EVERY TRIP AND GATHERING A weekend away, a meetup with friends or a shared meal. Keep expenses in separate events, with dates, places and notes. Find the records you need by category or tag. β–  SOME COSTS FOR TWO. OTHERS FOR EVERYONE. Choose who paid and who shares each expense. Split equally, set member share ratios or enter individual amounts. Record expenses paid by more than one person. β–  LOCAL SPENDING, FAMILIAR CURRENCY Record in local currency. See costs in your everyday currency. Enter an exchange rate yourself or look up a recent rate. β–  SEE WHO OWES WHOM Review member balances and suggested settlements at a glance. Share the results with your group. β–  LOOK BACK AT WHAT YOU SPENT Explore spending over time and by category or tag. Export your records as CSV to view in Excel, or back up and restore your full records. β–  MINI GAMES FOR YOUR MEETUP Open finger, wheel and pinball games from Quick Split or the transaction list. β–  PLANNED FEATURES β€’ Real-time sharing and sync to keep records together β€’ Detailed statistics to explore spending patterns β€’ Photos and maps to capture moments and places from your travels Support: cs@spendlab.net

About

Monet

Features
Read full description

Split the bill. Keep the friendship. Monet makes shared expenses effortless. Add what you paid, pick who's in, and Monet does the math. No spreadsheets, no awkward "hey, you still owe me" texts. WHY PEOPLE LOVE MONET - Log an expense in seconds. Enter the amount, tap the people, done. - Always know where you stand. Balances update the moment anyone adds an expense. - Settle with fewer payments. Monet simplifies debts across the whole group, so one transfer can clear three IOUs. - Split it your way. Equally, by percentage, by shares, or exact amounts. - Built for any group. Roommates, couples, a trip crew, or tonight's dinner table. PERFECT FOR - Roommates: rent, utilities, groceries, and household bills - Trips: hotels, flights, meals, and the rental car - Nights out: dinners, drinks, and the group tab - Couples: the everyday spending you share HOW IT WORKS 1. Create a group and invite your friends 2. Add expenses as they happen 3. Monet keeps every balance up to date 4. Tap Settle Up and everyone knows exactly what to pay MONET PRO Start free and go Pro when your group needs more: - No limits. Use every feature with as many expenses, groups and debts as your crew racks up. - Receipt Scanner. Point the camera at a paper receipt and Monet fills in the expense for you. Everything is processed on your device. - Charts. See who owes whom and where your money goes, with a chart per currency. - Receipts and exports. Share an expense or a group as an image, or export it to CSV. - Offline mode. Keep managing debts with no connection. - Calendar events. Put payment dates on your calendar so nobody forgets. - Edit debts. Fix an amount or a detail whenever you need to. Monet Pro is an auto renewable monthly subscription. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless canceled at least 24 hours before the end of the current period, and you can manage or cancel it anytime in your Apple Account settings. The price is shown in the app before you buy and may vary by region. No forgotten IOUs. No mental math. No awkward reminders. Download Monet and settle up today. β€”β€”β€”β€”β€”β€”β€”β€”β€”β€” Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://cacomi-app.com/privacy-monet

Screenshots

SPEND4 screens
Monet4 screens

Verdict

The call

The clearest difference is in-app purchases: SPEND at none against Monet's 1. SPEND also leads on iOS requirement (15.0 vs 26.0). On price, update cadence, ads and device support there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Monet sells 1 in-app purchase, starting at $2.99 per month. SPEND asks for nothing beyond the download.

UpkeepUpdate frequency

SPEND ships an update every 6 days, Monet weekly. The most recent releases landed on October 15, 2026 and October 6, 2026 respectively.

Scorecard2 real differences Β· 6 level
SPEND versus Monet: the parameters behind the verdict, then further details
ParameterSPENDMonet
PriceFreeFree
Positive reviews90.0% of reviewsβ€”
Update frequencyEvery 6 days β€” betterWeekly
AdsNoNo
In-app purchasesNo β€” betterYes
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 β€” better26.0
Further details β€” not scored
Size40 MB15 MB
Age rating4+17+
DeveloperJaegeun JeongRAUL MONTESINOS FERNANDEZ

In-app purchases

None

SPEND

No in-app purchases

1 purchases

Monet

Subscriptions1
  • Monet Monthly Subscription$2.991 Month

Questions

Is SPEND free?
SPEND is free to download, with no in-app purchases.
Is Monet free?
Monet is free to download, with in-app purchases available.
Do SPEND or Monet have ads?
Neither SPEND nor Monet shows ads.
Which is updated more often, SPEND or Monet?
SPEND ships an update every 6 days, and Monet weekly. Most recently, SPEND was updated on October 15, 2026 and Monet on October 6, 2026.

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