# Settlements vs Sparrow

The clearest difference is rating: Sparrow at 4.2 against Settlements's 1.0. Sparrow also leads on monetization model (free vs freemium) and ratings volume (148 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Settlements sells 2 one-off in-app purchases and Sparrow sells 1 in-app purchase, starting at $84.00 per year. 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 148 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 September 29, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Settlements | Sparrow |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/settlements/id1493347231/reviews) | **[4.2 (148 ratings)](https://appshunter.io/ios/app/sparrow-ai-refund-helper/id6753935624/reviews)** |
| Number of ratings | 1 | **148** |
| Positive reviews | — | 19.2% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Freemium | **Free** |
| Best chart rank | — | **#193** |
| Size | 14 MB | 57 MB |
| Requires iOS | 26.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Jay Patel](https://appshunter.io/developer/1493208243) | [Sparrow - Refund Finder](https://appshunter.io/developer/1828836398) |

## What reviewers say

### Settlements

[App page](https://appshunter.io/ios/app/settlements/id1493347231)

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.

**Highlights:** 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)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settlement Plus Monthly | $0.99 | one-time |
| Settlement Plus Yearly | $9.99 | one-time |


### Sparrow

[App page](https://appshunter.io/ios/app/sparrow-ai-refund-helper/id6753935624)

**Currently charting:** #193 Top Grossing · Finance (US App Store)

Automatically discover and claim money you're owed, including class action settlements, unclaimed funds, and retail refunds. Securely link accounts to scan for eligible claims and file them quickly with prefilled forms.

**Highlights:** Find class action settlements, Discover unclaimed money, Claim retail refunds, Get airline compensation, Automated monitoring, Fast claim filing

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual plan ($7/month) | $84.00 | per year |


## Frequently asked questions

### Is Settlements free?

Settlements is free to download, with in-app purchases available.

### Is Sparrow free?

Sparrow is free to download, with in-app purchases available.

### Which has better reviews, Settlements or Sparrow?

Sparrow is rated higher. Settlements averages 1.0 out of 5 from 1 ratings, while Sparrow averages 4.2 from 148 ratings.

### Do Settlements or Sparrow have ads?

Neither Settlements nor Sparrow shows ads.

### Which is updated more often, Settlements or Sparrow?

Settlements ships an update every 3 weeks, and Sparrow every 2 weeks. Most recently, Settlements was updated on September 29, 2026 and Sparrow on October 15, 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.*