# Who Owes Me vs Splitall

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.

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.

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.

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.

## The numbers

| Metric | Who Owes Me | Splitall |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (803 ratings)](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews)** | [4.0 (1 ratings)](https://appshunter.io/ios/app/splitall-split-group-bills/id6474968317/reviews) |
| Number of ratings | **803** | 1 |
| Positive reviews | 45.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 13 MB | 52 MB |
| Requires iOS | 26 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Voglhuber](https://appshunter.io/developer/433453828) | [ALEXEY OSTROGRADSKIY](https://appshunter.io/developer/739013684) |

## What reviewers say

### Who Owes Me

[App page](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Yearly | $17.99 | per year |
| Lifetime | $39.99 | one-time |

**What reviewers like**

- 👍 Easy to use and intuitive
- 🚀 Provides a good overview of debts
- 💡 Helpful for tracking money owed
- 🚀 Simple and straightforward

**What reviewers complain about**

- 💰 Subscription or high one-time cost
- 🔒 Limited functionality in free version
- 🐛 Sync issues between devices
- 🐛 Crashes and data loss
- 💰 Expensive for the features offered

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/splitall-split-group-bills/id6474968317)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PRO Weekly | $1.99 | per 7 days |
| PRO Monthly | $3.99 | per month |
| PRO Yearly Plus | $24.99 | per year |
| PRO Yearly | $29.99 | per year |


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