Settlements vs Sparrow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Settlements
Easily manage shared expenses and settle debts with friends and family. Track bills, add members, and set currencies for seamless financial coordination. Offers both free and premium features for enhanced expense management.
- Add settlements for groups
- Track individual bills
- Add members by phone number
- Set custom currencies
- Light and dark appearance modes
- Access to charts and themes (Plus)
- One-tap settlement (Plus)
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Settlement between friends and family members. Add Settlement, Bill to manage your expenses. You should "split" wise..! Settlements Feature for all: - Add Settlement for roommates, office colleague or trip - Add bills to the Settlement - Add member by phone number - Set Settlement currency - App icons - Light and Dark Appearance - And so much more...! Settlement Plus Features: - Different Themes - Access to Charts - Settle up remaining amount with one tap - Final Settlement detailed information - Enjoy Plus features for all the members in a Settlement - And upcoming plus features Settlement Plus Non Renewable Plans: Monthly: $0.9 Yearly: $9.9 Privacy Policy: https://iamjdpatel.wixstudio.com/settlements/privacypolicy Terms of Service: https://iamjdpatel.wixstudio.com/settlements/termsofservice App Support : https://iamjdpatel.wixstudio.com/settlements/appsupport
Sparrow
Automatically discovers and helps you claim money you're owed, including class action settlements, unclaimed funds, and late delivery refunds. It can also negotiate bills, cancel subscriptions, and address bank fees through AI-powered assistance.
- Finds class action settlements
- Locates unclaimed money
- Requests late delivery refunds via AI
- Negotiates bills and cancels subscriptions with AI
- Identifies bank fee issues
- Monitors for new claims
- One-tap claim submissions
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Find and claim money that you're entitled to. Sparrow automatically finds class action settlements, refunds, and credits you may be owed—then helps you claim them in seconds. What Sparrow Finds • Class action payouts and settlements • Unclaimed money from state and federal databases • Late-delivery refunds from Amazon, Walmart and Chewy, requested for you by an AI phone call • Bill negotiation and subscription cancellation, handled by an AI phone call you start • Bank fees and price hikes on your linked accounts • Spam texts you report from Messages, pooled by the brand behind them How It Works 1. Link: Securely connect accounts. 2. Detect: Sparrow scans for eligible refunds and claims. 3. Claim: Select refunds and claims you'd like to apply for. Why People Love Sparrow • Automated monitoring so you don't miss new Sparrow claims • Fast filing with prefilled forms and one-tap submissions Perfect For • Frequent shoppers and subscription users • Busy people who don’t have time to track every settlement • Anyone who wants their refunds and claims in one simple dashboard Privacy & Legal Sparrow is not a law firm and does not provide legal advice. Please review each claim’s eligibility and terms before filing. TERMS: https://usesparrow.com/terms
Screenshots
Verdict
The clearest difference is rating: Sparrow at 4.2 against Settlements's 1.0. Sparrow also leads on ratings volume (159 vs 1) and iOS requirement (15.1 vs 26.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Settlements sells 2 one-off in-app purchases and Sparrow sells 2 in-app purchases, starting at $19.00 per month. Whichever you choose, the download price is not the number that matters.
Sparrow holds the better App Store score, 4.2 against 1.0. That said, the two scores are not equally well evidenced: Sparrow has 159 ratings behind it against 1, so its average is the more settled of the two.
Settlements ships an update every 3 weeks, Sparrow every 2 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | Settlements | Sparrow |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 4.2 (159 ratings) — better |
| Positive reviews | — | 18.5% of reviews |
| Number of ratings | 1 | 159 — better |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 26.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 14 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Jay Patel | Sparrow - Refund Finder |
Customer experience
Settlements
Sparrow
In-app purchases
Settlements
- Settlement Plus Monthly$0.99
- Settlement Plus Yearly$9.99
Sparrow
- Monthly Plan$19.001 Month
- Annual plan ($7/month)3 Days trial$84.001 Year
