# Home Budget Tracker & Planner vs Cost Split Payments

The clearest difference is ads: Cost Split Payments at none against Home Budget Tracker & Planner's shown. Home Budget Tracker & Planner's advantage is update cadence (every 3 days vs fortnightly) and ratings volume (302 vs 11). On price, rating, review sentiment and in-app purchases there is nothing between them.

Both are free to download. Home Budget Tracker & Planner sells 5 in-app purchases, starting at $3.99 per month and Cost Split Payments sells 4 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.7 for Home Budget Tracker & Planner against 4.7 for Cost Split Payments. That said, the two scores are not equally well evidenced: Home Budget Tracker & Planner has 302 ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 71% of Home Budget Tracker & Planner's written reviews are positive against 75% of Cost Split Payments's.

Home Budget Tracker & Planner ships an update every 3 days, Cost Split Payments fortnightly. The most recent releases landed on October 20, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Home Budget Tracker & Planner | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (302 ratings)](https://appshunter.io/ios/app/home-budget-tracker-and-planner/id1475406336/reviews) | [4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews) |
| Number of ratings | **302** | 11 |
| Positive reviews | 70.8% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 152 MB | 35 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [takaaki ono](https://appshunter.io/developer/1475406335) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### Home Budget Tracker & Planner

[App page](https://appshunter.io/ios/app/home-budget-tracker-and-planner/id1475406336)

Organize shared finances and household tasks with this app. It allows groups to budget, track expenses, manage to-do lists, and split bills seamlessly. Perfect for couples, families, and roommates to manage their shared living expenses and responsibilities.

**Highlights:** Shared budgeting and expense tracking, Monthly spending limits and real-time balance, Customizable income/expense categories, Collaborative to-do lists and chore delegation, Receipt capture with OCR, Flexible expense splitting, Automatic backups and settlement options

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Use all functions for 1 month. | $3.99 | per month |
| Use all functions for 3 months | $9.99 | per 3 months |
| Use all functions for 1 year. | $29.99 | per year |
| Try for free. Cancel anytime. | $29.99 | per year |
| Premium Plan | $59.99 | one-time |


### Cost Split Payments

[App page](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436)

Effortlessly manage shared expenses with friends, roommates, or travel buddies. This app automates calculations, tracks debts, and categorizes spending, making financial coordination simple and stress-free. Enjoy offline functionality for tracking expenses anytime, anywhere.

**Highlights:** Create and manage groups, Log expenses with details, Automatic expense calculations, Track and settle debts, Customizable expense categories, Offline expense tracking

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Plan | $4.99 | per 7 days |
| 6 Month | $8.99 | per 6 months |
| Yearly Plan | $17.99 | per year |
| 1 Month | $31.99 | per month |


## Frequently asked questions

### Is Home Budget Tracker & Planner free?

Home Budget Tracker & Planner is free to download, with in-app purchases available.

### Is Cost Split Payments free?

Cost Split Payments is free to download, with in-app purchases available.

### Which has better reviews, Home Budget Tracker & Planner or Cost Split Payments?

Home Budget Tracker & Planner and Cost Split Payments are both rated 4.7 out of 5 on the App Store, from 302 and 11 ratings respectively.

### Do Home Budget Tracker & Planner or Cost Split Payments have ads?

Home Budget Tracker & Planner shows ads; Cost Split Payments does not.

### Which is updated more often, Home Budget Tracker & Planner or Cost Split Payments?

Home Budget Tracker & Planner ships an update every 3 days, and Cost Split Payments fortnightly. Most recently, Home Budget Tracker & Planner was updated on October 20, 2026 and Cost Split Payments on October 16, 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.*