Comparison

SPEND vs Split Settle

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

Split Settle

Read full description

Trips, dinners and group outings often leave several people out of pocket. Split Settle brings those payments together and calculates who should pay whom. One person enters. Everyone can settle. No accounts or installation for the whole group. Start with a group name and the participants’ names. Choose who shares each expense Enter the amount, payer and people sharing the cost. Leave out anyone who did not take part. Expenses are divided equally, with leftover minor units assigned in registration order so totals always match. A clear settlement plan See what each person paid, owes and still needs to pay or receive. Preview the result as text or images, then use your usual sharing app. Record partial repayments Record money only after it has actually changed hands. Later expenses and corrections update the remaining balances while preserving repayment records. Sharing a result does not mark it as paid. Keep separate groups Save trips and meals separately. Edit or delete expenses and repayments from History. Archive a group as read-only and reopen it when needed. 11 currencies, 10 languages Choose JPY, USD, EUR, KRW, CNY, GBP, CAD, AUD, TWD, HKD or BRL, with one currency per group. Available in Japanese, English, Korean, Simplified and Traditional Chinese, Spanish, French, German, Italian and Brazilian Portuguese. Light and dark appearance follow your device. Records and calculations work offline Records are stored on your device. Sharing and OS backups may create copies elsewhere; restoration is not guaranteed. A banner appears on the home screen and advertising uses a network connection. Payment details and names are not passed to the advertising SDK. The app does not transfer money, connect to banks, support collaborative editing or convert currencies. If the original payer receives a merchant refund, correct the original expense.

Screenshots

SPEND4 screens
Split Settle4 screens

Verdict

The call

The clearest difference is ads: SPEND at none against Split Settle's shown. On price, update cadence, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SPEND ships an update every 5 days, Split Settle every 9 days. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

Scorecard1 real difference Β· 7 level
SPEND versus Split Settle: the parameters behind the verdict, then further details
ParameterSPENDSplit Settle
PriceFreeFree
Positive reviews90.0% of reviewsβ€”
Update frequencyEvery 5 days β€” betterEvery 9 days
AdsNo β€” betterYes
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.015.0
Further details β€” not scored
Size41 MB23 MB
Age rating4+4+
DeveloperJaegeun JeongDOTNULL Co.,Ltd

In-app purchases

None

SPEND

No in-app purchases

None

Split Settle

No in-app purchases

Questions

Is SPEND free?
SPEND is free to download, with no in-app purchases.
Is Split Settle free?
Split Settle is free to download, with no in-app purchases.
Do SPEND or Split Settle have ads?
Split Settle shows ads; SPEND does not.
Which is updated more often, SPEND or Split Settle?
SPEND ships an update every 5 days, and Split Settle every 9 days. Most recently, SPEND was updated on November 2, 2026 and Split Settle on October 31, 2026.

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