# Expenses vs Cost Split Payments

The clearest difference is ratings volume: Expenses at 1.8K against Cost Split Payments's 11. Expenses also leads on update cadence (every 4 days vs fortnightly) and review sentiment (87% vs 75%). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Expenses sells 3 in-app purchases, starting at $1.99 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 — 4.8 for Expenses against 4.7 for Cost Split Payments. That said, the two scores are not equally well evidenced: Expenses has 1.8K ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 87% of Expenses's written reviews are positive against 75% of Cost Split Payments's.

Expenses ships an update every 4 days, Cost Split Payments fortnightly. The most recent releases landed on September 23, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | Expenses | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/expenses-spending-tracker/id1492055171/reviews)** | [4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews) |
| Number of ratings | **1.8K** | 11 |
| Positive reviews | **87.3% of reviews** | 75.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 70 MB | 35 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad, Mac, Vision Pro** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [BLUE COMET LABS LLC](https://appshunter.io/developer/1492055170) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### Expenses

[App page](https://appshunter.io/ios/app/expenses-spending-tracker/id1492055171)

Easily track your spending and income in any currency with this private finance app. Organize expenses with custom categories and gain insights into your spending habits through intuitive charts and trends. Collaborate with others on shared sheets and sync data across Apple devices.

**Highlights:** Expense and income tracking, Multi-currency support with auto exchange rates, Customizable categories, Spending trend analysis, Real-time sheet sharing, Private by design, no account needed, Data import/export (CSV)

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Expenses Pro - Monthly | $1.99 | per month |
| Expenses Pro - Yearly | $14.99 | per year |
| Expenses Pro - Lifetime | $39.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Straightforward functionality
- 🔒 No bank account required
- 💡 Flexible customization options
- 🚀 Seamless iCloud sync

**What reviewers complain about**

- 🐛 Occasional bugs and crashes
- 🔒 Sharing/collaboration issues
- 💡 Lack of advanced budgeting features
- 💡 Missing subcategories and reporting options
- 🔒 Requirement to pay for full access

**Reported bugs**

- Syncing issues between devices
- Disappearing transaction data after updates
- Inconsistent balance display
- Unresponsive UI elements

**Requested features**

- Ability to create folders/groups for sheets
- Option to view combined stats across sheets
- Recurring expense/income tracking
- Improved sorting and filtering of transactions
- Budget comparison and forecasting tools


### 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 Expenses free?

Expenses 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, Expenses or Cost Split Payments?

Expenses is rated higher. Expenses averages 4.8 out of 5 from 1.8K ratings, while Cost Split Payments averages 4.7 from 11 ratings.

### Do Expenses or Cost Split Payments have ads?

Neither Expenses nor Cost Split Payments shows ads.

### Which is updated more often, Expenses or Cost Split Payments?

Expenses ships an update every 4 days, and Cost Split Payments fortnightly. Most recently, Expenses was updated on September 23, 2026 and Cost Split Payments on September 11, 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.*