Comparison

smallcase vs Splitkaro

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

Head to head
About

smallcase

Invest in Indian and US stocks, ETFs, and mutual funds through expert-curated model portfolios. Track your net worth across various assets and access loans against your securities with competitive rates.

Highlights
  • Expert-curated model portfolios (smallcases)
  • Invest in Indian and US stocks/ETFs
  • Invest in direct mutual funds
  • Track net worth across all assets
  • Loan against securities
  • SIP investments
Features
Read full description

smallcase is a great place to put your money to work. We have investment ideas across Indian Stocks & ETFs, Mutual Funds, Fixed Deposits, and for global diversification, US Stocks & ETFs. What makes smallcase stand out from other investment apps is our ‘model portfolios’, also known as ‘smallcases’. These are baskets of Indian Stocks/ETFs, Mutual Funds or US Stocks/ETFs. These smallcases are created by investment experts around an idea like a trending sector (Defence, Pharma, etc.), a theme (AI & Data Centres, Clean Energy, etc.) or a trusted strategy (Momentum, Value & Growth, etc.) To keep your investments fresh, these smallcases are periodically rebalanced by buy/sell recommendations of underlying stocks to keep up with market trends. INVEST IN INDIAN STOCKS & ETFs - Connect your existing broking or demat account, or open a new one. smallcase supports India's top brokers including Kite by Zerodha, Groww, Upstox, ICICI Direct, HDFC Securities, IIFL Securities, Angel One, Motilal Oswal, Axis Direct, Kotak Securities, 5paisa, Alice Blue, Nuvama, and more - Select an idea to invest in like Electric Mobility, and leave the underlying stock picking to experts. They will research across EV manufacturers, charging service providers, battery manufacturers, etc. to find the most suitable for the smallcase - SIP into multiple stocks in one go - Apply rebalance updates periodically to keep your investments fresh INVEST IN US STOCKS & ETFs - Open a free Global Investing Account and fund it via your Indian bank account - Invest in trending ideas unique to US markets like AI Supply Chain, Robotics, Country Rotation, etc. Leave the underlying stock picking to experts. - Since fractional shares are supported, start investing with just $50 - Your investments stay fresh with automated rebalancing when the smallcase manager triggers a buy/sell action of underlying stocks - Invest with confidence via the GIFT City framework, fully compliant with Indian regulations INVEST IN MUTUAL FUNDS - Invest in baskets of direct mutual funds with zero commission - Select an idea like Parking your Savings, Sector Rotation, Flexicap Picks, etc, and leave the selection of underlying mutual funds to experts - SIP into multiple mutual funds at once TRACK YOUR NET WORTH WITH WEALTH OFFICE - Get a 360° view of your finances across stocks, mutual funds, gold, real estate, FDs, EPF, loans, and credit health - Chat with Wealth Office AI to uncover insights about your wealth, forecast your net worth, and get roadmaps for your financial goals GET LOAN AGAINST SECURITIES - Get a loan against your stock and mutual fund investments, without selling them - Avail low interest rates starting at 9.9% p.a. - Repay at any time with no foreclosure charges Tenure: 36 months Maximum Annual Percentage Rate (APR): 13% Registered Non-Banking Financial Company (NBFC) Lenders: - DSP Finance Private Limited - The South Indian Bank Limited - Bajaj Finance Limited Example: Interest Rate: 16% p.a. Tenure: 36 months Cash to be credited: ₹1,00,000 Processing Fee: ₹2,073 GST: ₹373 Loan Insurance: ₹1,199 Total Loan Amount: ₹1,03,645 EMI: ₹3,644 Total Repayment Amount: ₹1,31,184 INVEST IN FIXED DEPOSITS - Open high-interest FDs with returns up to 8.5% p.a. - Get DICGC insurance up to ₹5 lakhs - Choose from Slice SF, Shivalik SF Bank, and more NOTE: Equity investments are subject to share market risk. Investments in global markets are subject to market, currency, regulatory, and jurisdictional risks. Read all the related documents carefully before investing. Investors should consider all risk factors and consult their financial advisors before investing. Representations are not indicative of future results. The quoted model portfolios are not recommendatory. For full disclosures, visit: https://smallcase.com/meta/disclosures Registered Address: CASE Platforms Private Limited #51, 3rd Floor, Le Parc Richmonde, Richmond Road, Shanthala Nagar, Richmond Town, Bangalore - 560025

About

Splitkaro

Effortlessly manage shared expenses with friends, roommates, or family. This app simplifies bill splitting, tracks personal and group costs, and provides smart payment reminders to avoid awkward money conversations.

Highlights
  • Intelligent payment reminders
  • One-tap bill import from popular services
  • Item-wise bill splitting
  • Auto expense tracking via SMS
  • Group chat and money sharing
  • Graphs, charts, and analytics
  • Import balances from other apps
Features
Read full description

Splitkaro is the expense tracker and bill splitter for roommates, couples, trips, homes, teams, and your own personal spending. Track personal and shared expenses together in one app, with flexible splitting, smart reminders, spending insights, and no limit on how many expenses you add. FREE, AND FREE MEANS FREE Unlimited expenses. Unlimited members. Unlimited groups. No cap on how many expenses you can add, ever, and no paywall after the first handful. Category-wise spending insights are free too. Premium is optional. SWITCHING APPS? Coming from Splitwise? Import your groups & balances from Splitwise and carry on without limits. SPLIT EXPENSES ANY WAY YOU NEED • Split equally, unequally, by ratio, or item by item • Assign each dish or item to whoever actually had it • Rounding always adds up, so no cents are ever left over • Add cash expenses with a photo of the receipt • Share a split by link so the other person sees it right away • See who owes who at a glance, per group and overall • Smart reminders get people to settle up without awkward follow-ups • Track payments and balances until everyone is settled up • Chat with your group right where the expenses are A GROUP EXPENSE TRACKER FOR EVERY SITUATION • Roommates splitting rent, groceries and utilities • Couples managing shared spending • Friends and travel groups tracking trip costs • Families organising household expenses • Small teams sharing business costs • Personal expense tracking and budgeting MORE THAN A BILL SPLITTING APP Most people use one app to split expenses with friends and another to track their own. Splitkaro does both. Share costs on a carpool, split a group trip, split rent with housemates, split the check at dinner and settle up the same night. Your personal spending lives in the same place. AUTOMATIC EXPENSE TRACKING Import your bank and card statements and every purchase shows up on its own. Just tag it to a group. Set a rule once and future transactions go into the right group and category automatically. Direct card and bank connections are rolling out now. KNOW WHAT YOU ACTUALLY SPENT The bill was $120, but your share was $24. Splitkaro counts the $24. One tab shows what you really spent, paid, and received across every group and your personal expenses, with category analytics and clean monthly summaries. Your data syncs securely across your devices and the web, and friends can join your group from any phone. SPLITKARO PREMIUM Splitkaro is free to use. Premium is an optional upgrade that adds expense search, custom categories, full analytics, PDF export, and dark mode. Choose a monthly or yearly plan. • The monthly plan is an auto-renewing subscription. The yearly plan does not renew automatically • Payment is charged to your Apple ID account when you confirm the purchase • The monthly subscription renews automatically unless you cancel it at least 24 hours before the end of the current period • Your account is charged for the renewal within 24 hours before the current period ends • You can manage or cancel your subscription in your App Store account settings after purchase • You can keep using the free version without subscribing Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://privacy.splitkaro.com/ Questions or feedback? support@splitkaro.com

Screenshots

smallcase4 screens
Splitkaro4 screens

Verdict

The call

The clearest difference is in-app purchases: smallcase at none against Splitkaro's 7. smallcase also leads on update cadence (weekly vs every 6 weeks) and ratings volume (765 vs 62). Splitkaro's advantage is review sentiment (78% vs 48%). On price, rating, ads and iOS requirement 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. Splitkaro sells 7 in-app purchases, starting at $2.00 per month. smallcase asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for smallcase against 4.9 for Splitkaro. That said, the two scores are not equally well evidenced: smallcase has 765 ratings behind it against 62, so its average is the more settled of the two. Written reviews are what separate them: 48% of smallcase's written reviews are positive against 78% of Splitkaro's.

UpkeepUpdate frequency

smallcase ships an update weekly, Splitkaro every 6 weeks. Both last shipped on November 3, 2026.

Scorecard6 real differences · 4 level
smallcase versus Splitkaro: the parameters behind the verdict, then further details
ParametersmallcaseSplitkaro
PriceFreeFree
Rating4.8 (765 ratings)4.9 (62 ratings) — better
Positive reviews48.1% of reviews78.5% of reviews — better
Number of ratings765 — better62
Update frequencyWeekly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better16.0
Further details — not scored
Size158 MB82 MB
Age rating4+4+
DeveloperSmallcase Technologies Private LimitedSplitkaro Private Limited

Customer experience

smallcase

All ratings765 ratings
Positive95.2%
Neutral2.4%
Negative2.5%
Written reviews77 reviews
Positive48.1%
Neutral9.1%
Negative42.9%

Splitkaro

All ratings59 ratings
Positive98.3%
Neutral1.7%
Negative0.0%
Written reviews65 reviews
Positive78.5%
Neutral9.2%
Negative12.3%

Bugs and requests

smallcase

Reported bugs

16 issues
  • App crashes on startup and during operations
  • Login failures with OTP not being sent
  • Session expires too quickly requiring frequent re-login
  • Rebalancing orders fail with 'not enough shares' errors
  • Insufficient funds errors during rebalancing
Show 11 more
  • Screen resize issues on iPhone SE3 with unclickable buttons
  • App freezes at 'Collecting Ideas' screen
  • Repair orders not functioning properly
  • Portfolio not syncing with broker accounts
  • Stocks sold in broker account not reflecting in app
  • Search functionality not working properly
  • App becomes unresponsive and slow
  • Automatic logouts throughout the day
  • Incompatibility with older iOS versions
  • Payment gateway connection issues with Zerodha
  • Groww integration causing repeated login requirements

Requested features

14 requests
  • iOS widget for quick portfolio viewing
  • Ability to prepone/advance SIP dates for market opportunities
  • Search functionality within smallcase stock lists
  • Dividend tracking and reporting features
  • Transaction reports filtered by smallcase
Show 9 more
  • Download investment and returns reports
  • Total fees paid summary
  • Multiple account/profile login support
  • Apple Watch app version
  • Loan tracking and management features
  • Better SIP analysis with amount-oriented outcomes
  • Direct stock selling from demat account within app
  • Limit order feature for stocks
  • Complete Zerodha integration for real-time sync

Splitkaro

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

smallcase

No in-app purchases

7 purchases

Splitkaro

Subscriptions2
  • Monthly Subscription$2.001 Month
  • Monthly Subscription$4.001 Month
One-time5
  • Monthly Plan$4.00
  • Quarterly Plan$5.00
  • Yearly Plan$12.00
Show 2 more
  • Yearly Plan Day1$12.00
  • Annual Premium Plan$15.00

Questions

Is smallcase free?
smallcase is free to download, with no in-app purchases.
Is Splitkaro free?
Splitkaro is free to download, with in-app purchases available.
Which has better reviews, smallcase or Splitkaro?
Splitkaro is rated higher. smallcase averages 4.8 out of 5 from 765 ratings, while Splitkaro averages 4.9 from 62 ratings.
Do smallcase or Splitkaro have ads?
Neither smallcase nor Splitkaro shows ads.
Which is updated more often, smallcase or Splitkaro?
smallcase ships an update weekly, and Splitkaro every 6 weeks. Most recently, smallcase was updated on November 3, 2026 and Splitkaro on November 3, 2026.

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