# Deferit vs SplitIt

The clearest difference is in-app purchases: Deferit at none against SplitIt's 10. Deferit also leads on ratings volume (37K vs 823) and chart position (#159 vs unranked). SplitIt's advantage is ads (none vs shown) and review sentiment (88% vs 61%). On price, rating, device support and iOS requirement there is nothing between them.

Both are free to download. SplitIt sells 10 in-app purchases, starting at $4.99 per month. Deferit asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Deferit against 4.9 for SplitIt. That said, the two scores are not equally well evidenced: Deferit has 37K ratings behind it against 823, so its average is the more settled of the two. Written reviews are what separate them: 61% of Deferit's written reviews are positive against 88% of SplitIt's.

Deferit ships an update fortnightly, SplitIt every 6 days. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Deferit | SplitIt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (37K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews) | **[4.9 (823 ratings)](https://appshunter.io/ios/app/splitit-group-bill-splitter/id6472703319/reviews)** |
| Number of ratings | **37K** | 823 |
| Positive reviews | 60.7% of reviews | **87.9% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 6 days** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Best chart rank | **#159** | — |
| Size | 52 MB | 59 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [Feast Labs LLC](https://appshunter.io/developer/1612428785) |

## What reviewers say

### Deferit

[App page](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561)

**Currently charting:** #159 Top Free · Finance (US App Store)

Manage your bills and budget with flexibility. Upload any service bill and pay it in four smaller, manageable installments. The app also helps negotiate your bills and can report eligible on-time payments to credit bureaus to build your credit history.

**Highlights:** Pay bills in 4 installments, Upload bills via photo, screenshot, or file, Negotiate bill amounts, Build credit history with eligible payments, Supports over 20,000 billers, Manage bills from one app

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Helpful for paying bills in installments
- ⏱️ Fast bill payment processing
- 📆 Ability to change payment due dates
- 🤝 Friendly and responsive customer service
- 🧭 Convenient all-in-one bill management

**What reviewers complain about**

- 🕰️ Delayed bill payments due to high volume
- 🤖 Lack of phone/live chat support
- 💰 Subscription fees and processing fees
- 🚫 Issues with canceling or stopping payments
- 🤔 Unclear payment methods (online vs. check)

**Reported bugs**

- App crashes or freezes on some devices
- Inconsistent payment processing times

**Requested features**

- Expand payment options beyond utilities
- Provide virtual card for online bill payments
- Improve communication on payment status


### SplitIt

[App page](https://appshunter.io/ios/app/splitit-group-bill-splitter/id6472703319)

Easily split bills and track shared expenses with friends. Upload receipts, assign items, and settle balances seamlessly. Keep a record of shared outings and manage payments or requests within your group.

**Highlights:** Split bills from receipts, Assign items to individuals, Track expenses and balances, Pay or request money from friends, Record shared outings

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited | $4.99 | per month |
| Unlimited | $39.99 | per year |
| Developer Tip | $0.29 | one-time |
| Developer Tip | $0.49 | one-time |
| Developer Tip | $0.99 | one-time |
| Developer Tip | $1.09 | one-time |
| Developer Tip | $1.59 | one-time |
| Developer Tip | $1.99 | one-time |
| Developer Tip | $2.69 | one-time |
| Developer Tip | $4.99 | one-time |

**What reviewers like**

- 🚀 Fast and efficient bill splitting process
- 👍 Intuitive and clean user interface/UX design
- 📱 Seamless Venmo integration for payment requests
- 🎯 Accurate OCR receipt scanning and reading
- ✨ Ad-free experience

**What reviewers complain about**

- 🔐 Requires phone number signup and data collection
- 📵 Doesn't work without mandatory account creation
- ⚠️ Privacy concerns regarding data selling practices
- 🐛 Domain/server issues preventing app access
- 😤 Cumbersome interaction for large party splits

**Reported bugs**

- Restaurant search feature experiencing bugs
- Domain expired - unable to log in or access support
- App requires internet connection despite having local OCR capability
- Newly split items moved to bottom of list causing confusion

**Requested features**

- Add Zelle and Apple Cash payment integration
- Support multiple receipt photo uploads
- Display total receipt amount on final summary page
- Customizable Venmo message templates
- In-app payment requests instead of Venmo redirect


## Frequently asked questions

### Is Deferit free?

Deferit is free to download, with no in-app purchases.

### Is SplitIt free?

SplitIt is free to download, with in-app purchases available.

### Which has better reviews, Deferit or SplitIt?

SplitIt is rated higher. Deferit averages 4.8 out of 5 from 37K ratings, while SplitIt averages 4.9 from 823 ratings.

### Do Deferit or SplitIt have ads?

Deferit shows ads; SplitIt does not.

### Which is updated more often, Deferit or SplitIt?

Deferit ships an update fortnightly, and SplitIt every 6 days. Most recently, Deferit was updated on November 6, 2026 and SplitIt on November 4, 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.*