Comparison

Who Owes Me vs Splitall

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

Head to head
About

Who Owes Me

Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.

Highlights
  • Track debts and IOUs
  • Split expenses
  • Cloud sync across devices
  • Over 155 currency support
  • Mark debts as paid
  • Generate PDF reports
  • Remind people via message
Features
Read full description

Never forget who you borrowed money or who you owe money. Who Owes Me - Debt Manager is a simple App to remember debts or split expenses between friends. You can mark debts as paid and always have an overview of money you lent to friends. You can also use your contacts to quickly add new debts. Easy to use interface to quickly manage debts. Features - Remember debts/IOUs - Split expenses (e.g. on holidays or for birthday presents) - Cloud Sync between multiple devices - Touch/Face ID - Multiple folders - Notifications - Use contacts for faster inputs - Over 155 Currencies - Part payments - Mark as paid - Export data - Generate PDFs - Remind people via SMS/WhatsApp/E-Mail - Recurring entries All pro features, unlimited entries and Cloud Sync between multiple iOS devices can be used after a one time payment or an active auto-renewal subscription. This three in app purchases can be bought in the app. Subscription informations - You can choose between a monthly and a yearly auto-renewal subscription. - Subscriptions include all pro features, unlimited entries and Cloud Sync between multiple iOS devices. - The subscription will renew automatically 24 hours before the end of the current period. - The subscription price depends on the subscription period you choose. - You can manage your subscription and turn off auto-renewal in your iTunes Account Settings. Free trial - Yearly subscription includes a free trial period. - You will not be charged until your trial has ended. - Your iTunes Account will only be charged once your purchase is confirmed. - Any unused portion of the free trial period will be forfeited after purchase. Terms of Service: https://whoowesme.app/tos.pdf

About

Splitall

Easily track and split shared expenses with friends and roommates. Manage group spending for household bills, travel, and events, ensuring everyone knows who owes what. Simplifies joint accounting for hassle-free financial management.

Highlights
  • Split shared expenses
  • Track due payments
  • Invite friends via code
  • Manage group or individual expenses
  • Name and date expenses
  • Categorize spending (household, travel, gifts)
Features
Read full description

Splitall expenses splitter is an awesome budget app for group to help you account your shared expenses and due payments for joint spends. For example, share household expenses with your roommates or track a joint travel spend with your balance friends. Split bills with friends for taxi rides and dining out. With this expense tracker sharing, you will enjoy hassle-free accounting of who owes you and to whom you owe! Convenient expenses splitter for accounting joint spends and due payments It is easy to invite your shared balance friends! Generate a code for joining this expense tracker sharing and send it via any messenger in a few clicks It is easy to join the group. Just enter the code you get from one of the group members It is highly convenient to split and account expenses with individuals or within a group. Select a group or an individual, add expenses, and settle the amount for each It is easy to make every record explicit and easy to understand. Just name each added expense and enter the date of arising this expense When our budget app for group expenses can be useful Use this intuitive expense tracker and share your expenses with your friends, relatives, teammates, or roommates: Share household expenses (from rent and maintenance to household supplies and utilities – just enter the name of each exact budget tracker room mate spend, so you will never forget the cause of the spend) Split bills with friends for taxi, dining out, arranging a party, moviegoing, or taking some other events and entertainments Share your group travel spend, so you will never lose the payments you owe and the payments that are owed to you Split and track your group present bills – when some of you and your friends or teammates buy a gift, they can create a new expense and assign the exact amount that should be paid by each exact group member. Install Splitall expense tracker and share household expenses, travel spend, and many other joint bills with your balance friends! With this expense tracker sharing expenses is as easy as a pie. Split bills with friends and keep track of your joint expenses and payments. You may purchase an auto-renewing subscription through an In-App Purchase. • Auto-renewable subscription • 1 month and 1 year durations • Your subscription will be charged to your iTunes account at confirmation of purchase and will automatically renew (at the duration selected) unless auto-renew is turned off at least 24 hours before the end of the current period. • Current subscription may not be cancelled during the active subscription period; however, you can manage your subscription and/or turn off auto-renewal by visiting your iTunes Account Settings after purchase • Privacy policy: https://splitall.app/en/policy/ • Terms of use: https://splitall.app/en/terms/

Screenshots

Who Owes Me4 screens
Splitall4 screens

Verdict

The call

The clearest difference is review sentiment: Splitall at 100% against Who Owes Me's 46%. Splitall also leads on iOS requirement (15.0 vs 26). Who Owes Me's advantage is rating (4.6 vs 4.0) and ads (none vs shown). On price, in-app purchases, monetization model and device support 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. Who Owes Me sells 3 in-app purchases, starting at $2.99 per month and Splitall sells 4 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Who Owes Me holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Who Owes Me has 803 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 46% of Who Owes Me's written reviews are positive against 100% of Splitall's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Who Owes Me ships an update every 3 weeks, Splitall every 2 months. The most recent releases landed on October 18, 2026 and October 6, 2026 respectively.

Scorecard6 real differences · 4 level
Who Owes Me versus Splitall: the parameters behind the verdict, then further details
ParameterWho Owes MeSplitall
PriceFreeFree
Rating4.6 (803 ratings) — better4.0 (1 ratings)
Positive reviews45.7% of reviews100.0% of reviews — better
Number of ratings803 — better1
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS2615.0 — better
Further details — not scored
Size13 MB52 MB
Age rating4+4+
DeveloperVoglhuberALEXEY OSTROGRADSKIY

Customer experience

Who Owes Me

All ratings803 ratings
Positive90.4%
Neutral4.1%
Negative5.5%
Written reviews116 reviews
Positive45.7%
Neutral12.9%
Negative41.4%

Splitall

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Who Owes Me

Reported bugs

4 issues
  • App crashes on startup
  • Sudden loss of all user data
  • Sync issues between devices
  • Inability to add new debts in free version

Requested features

5 requests
  • Add ability to record partial payments
  • Implement recurring payment tracking
  • Include more note-taking options
  • Provide cloud-based sync and backup
  • Add reminders and notifications

Splitall

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Who Owes Me

Subscriptions2
  • Monthly$2.991 Month
  • Yearly7 Days trial$17.991 Year
One-time1
  • Lifetime$39.99
4 purchases

Splitall

Subscriptions4
  • PRO Weekly$1.997 Days
  • PRO Monthly$3.991 Month
  • PRO Yearly Plus3 Days trial$24.991 Year
Show 1 more
  • PRO Yearly$29.991 Year

Questions

Is Who Owes Me free?
Who Owes Me is free to download, with in-app purchases available.
Is Splitall free?
Splitall is free to download, with in-app purchases available.
Which has better reviews, Who Owes Me or Splitall?
Who Owes Me is rated higher. Who Owes Me averages 4.6 out of 5 from 803 ratings, while Splitall averages 4.0 from 1 ratings.
Do Who Owes Me or Splitall have ads?
Splitall shows ads; Who Owes Me does not.
Which is updated more often, Who Owes Me or Splitall?
Who Owes Me ships an update every 3 weeks, and Splitall every 2 months. Most recently, Who Owes Me was updated on October 18, 2026 and Splitall on October 6, 2026.

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