# Deferit vs SplitNShare

Deferit and SplitNShare both sit at 4.8 stars, but that hides the real split: 100% of SplitNShare's written reviews are positive against 61% of Deferit's. SplitNShare also leads on ads (none vs shown) and monetization model (free vs ad-supported). Deferit's advantage is ratings volume (37K vs 20) and chart position (#166 vs unranked). On price, rating, update cadence and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SplitNShare holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Deferit has 37K ratings behind it against 20, so its average is the more settled of the two. Written reviews point the same way: 61% of Deferit's written reviews are positive against 100% of SplitNShare's.

Deferit ships an update fortnightly, SplitNShare every 3 weeks. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Deferit | SplitNShare |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (37K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews) | **[5.0 (20 ratings)](https://appshunter.io/ios/app/splitnshare-bill-splitter/id6745573409/reviews)** |
| Number of ratings | **37K** | 20 |
| Positive reviews | 60.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Ad-supported | **Free** |
| Best chart rank | **#166** | — |
| Size | 52 MB | 31 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [Gautam Kapoor](https://appshunter.io/developer/1813019564) |

## What reviewers say

### Deferit

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

**Currently charting:** #166 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


### SplitNShare

[App page](https://appshunter.io/ios/app/splitnshare-bill-splitter/id6745573409)

Effortlessly divide restaurant bills with this app. Scan receipts to automatically read items and totals, then assign them to individuals or groups. It handles tax and tip calculations accurately, providing clear breakdowns of what everyone owes.

**Highlights:** Receipt scanning with OCR, Item-level bill splitting, Automatic tax and tip calculation, Assign items to individuals, Save and share past splits

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

**In-app purchases:** none


## Frequently asked questions

### Is Deferit free?

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

### Is SplitNShare free?

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

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

SplitNShare is rated higher. Deferit averages 4.8 out of 5 from 37K ratings, while SplitNShare averages 5.0 from 20 ratings.

### Do Deferit or SplitNShare have ads?

Deferit shows ads; SplitNShare does not.

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

Deferit ships an update fortnightly, and SplitNShare every 3 weeks. Most recently, Deferit was updated on November 4, 2026 and SplitNShare on October 30, 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.*