# Scratch Plans vs Split QR

The clearest difference is price: Scratch Plans at Free against Split QR's $1.99. Scratch Plans also leads on ratings volume (50 vs 3). Split QR's advantage is rating (5.0 vs 2.9) and update cadence (monthly vs every 5 months). On ads, in-app purchases, device support and iOS requirement there is nothing between them.

Scratch Plans is free to download; Split QR costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Split QR holds the better App Store score, 5.0 against 2.9. That said, the two scores are not equally well evidenced: Scratch Plans has 50 ratings behind it against 3, so its average is the more settled of the two.

Scratch Plans ships an update every 5 months, Split QR monthly. The most recent releases landed on October 14, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | Scratch Plans | Split QR |
| --- | --- | --- |
| Price | **Free** | $1.99 |
| Rating | [2.9 (50 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/split-qr-bill-splitter-and-tip/id6761398658/reviews)** |
| Number of ratings | **50** | 3 |
| Positive reviews | 34.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | **Free** | Paid |
| Size | 28 MB | 31 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [Scratch Financial](https://appshunter.io/developer/1408133639) | [Black Zwan Labs](https://appshunter.io/developer/1889372411) |

## What reviewers say

### Scratch Plans

[App page](https://appshunter.io/ios/app/scratch-plans/id1492643953)

Access flexible payment plans for medical expenses with low APR and no hidden fees. Manage your loans, set up autopay, and reapply for new plans easily. Find practices that accept these convenient financing options.

**Highlights:** Low APR payment plans, No prepayment penalties or hidden charges, Credit score unaffected by rate checks, 1-click autopay enrollment, In-app loan management, Reapply for new plans, Find participating practices

**Features:** Vision Pro support

**In-app purchases:** none


### Split QR

[App page](https://appshunter.io/ios/app/split-qr-bill-splitter-and-tip/id6761398658)

Effortlessly divide bills and tips among friends. Generate personalized QR codes for each person, pre-filled with their share. Supports popular payment apps for quick and accurate transactions, eliminating manual calculations and disputes.

**Highlights:** Per-person QR codes for auto-filled payments, Supports Venmo, Cash App, PayPal, Apple Cash, Automatic tax and tip calculation, Offline functionality, Eliminates manual math and arguments, No account or subscription required

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Scratch Plans free?

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

### Is Split QR free?

Split QR costs $1.99, with no in-app purchases.

### Which has better reviews, Scratch Plans or Split QR?

Split QR is rated higher. Scratch Plans averages 2.9 out of 5 from 50 ratings, while Split QR averages 5.0 from 3 ratings.

### Do Scratch Plans or Split QR have ads?

Neither Scratch Plans nor Split QR shows ads.

### Which is updated more often, Scratch Plans or Split QR?

Scratch Plans ships an update every 5 months, and Split QR monthly. Most recently, Scratch Plans was updated on October 14, 2026 and Split QR on October 1, 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.*