Comparison

DivUp vs IOU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

DivUp

Easily divide shared expenses among friends. This application simplifies the process of splitting bills and tracking who owes what, making group outings and shared living arrangements hassle-free.

Highlights
  • Split receipts with friends
  • Easy expense tracking
  • Manage shared bills
  • Fast and simple interface
Read full description

DivUp is a fast and easy way to split receipts with your friends.

About

IOU

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

Highlights
  • Receipt scanning and itemization
  • Assign items to individuals
  • Automatic tax and tip calculation
  • Per-person total calculation
  • Eliminates manual bill splitting
Features
Read full description

IOU is the easiest way to scan receipts, itemize every purchase, and split group expenses accurately. Split what everyone actually ordered—no spreadsheets, no mental math, no awkward follow-ups. SCAN RECEIPTS. ASSIGN ITEMS. DONE. Take a photo of any receipt and IOU will automatically extract items, prices, and totals. Then tap through and assign each item to the right person. Perfect for dinners, trips, and shared purchases where everyone orders something different. ACCURATE SPLITS, EVEN INTERNATIONALLY Split expenses using items, equal splits, percentages, or exact amounts. IOU supports foreign currencies with real-world exchange accuracy using actual credit card charge rates. Region-aware calculations ensure tax and tip are handled correctly wherever you are. BUILT FOR GROUP EXPENSES Create groups for trips, dinners, roommates, and more. Customize groups with photos or curated artwork. Track all expenses in one place and view group insights and spending breakdowns. Settle up easily with Venmo & CashApp. POWERFUL RECEIPT FEATURES * Scan and automatically itemize receipts * Works with foreign receipts and translations * Assign items to individuals one by one * Upload and store receipts within groups * Share a clean breakdown with your group FLEXIBLE AND ORGANIZED * Import existing expenses from other apps * Export your data as CSV or PDF * Adjust settings based on your region * Customize the app with your preferred accent color WHY IOU MOST APPS SPLIT TOTALS. IOU SPLITS WHAT ACTUALLY HAPPENED. No more overpaying. No more chasing people. Just accurate, transparent group expenses. Terms of condition: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

DivUp4 screens
IOU4 screens

Verdict

The call

The clearest difference is rating: DivUp at 5.0 against IOU's 4.4. DivUp also leads on review sentiment (100% vs 60%) and in-app purchases (none vs 5). IOU's advantage is update cadence (fortnightly vs every 7 months) and ratings volume (17 vs 5). On price, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. DivUp asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

DivUp holds the better App Store score, 5.0 against 4.4. Both are backed by a comparable volume of ratings — 5 and 17 respectively. Written reviews point the same way: 100% of DivUp's written reviews are positive against 60% of IOU's.

UpkeepUpdate frequency

DivUp ships an update every 7 months, IOU fortnightly. The most recent releases landed on October 4, 2026 and October 11, 2026 respectively.

Scorecard7 real differences · 3 level
DivUp versus IOU: the parameters behind the verdict, then further details
ParameterDivUpIOU
PriceFreeFree
Rating5.0 (5 ratings) — better4.4 (17 ratings)
Positive reviews100.0% of reviews — better60.0% of reviews
Number of ratings517 — better
Update frequencyEvery 7 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad, Vision Pro — better
Requires iOS13.0 — better26.0
Further details — not scored
Size21 MB53 MB
Age rating4+4+
DeveloperSonu ChopraEric Agredo

Customer experience

DivUp

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

IOU

All ratings17 ratings
Positive76.5%
Neutral17.6%
Negative5.9%
Written reviews10 reviews
Positive60.0%
Neutral30.0%
Negative10.0%

In-app purchases

None

DivUp

No in-app purchases

5 purchases

IOU

Subscriptions4
  • IOU Pro3 Days trial$0.991 Month
  • IOU Pro$2.991 Month
  • IOU Pro7 Days trial$6.991 Year
Show 1 more
  • IOU Pro7 Days trial$24.991 Year
One-time1
  • Lifetime IOU Pro$29.99

Questions

Is DivUp free?
DivUp is free to download, with no in-app purchases.
Is IOU free?
IOU is free to download, with in-app purchases available.
Which has better reviews, DivUp or IOU?
DivUp is rated higher. DivUp averages 5.0 out of 5 from 5 ratings, while IOU averages 4.4 from 17 ratings.
Do DivUp or IOU have ads?
Neither DivUp nor IOU shows ads.
Which is updated more often, DivUp or IOU?
DivUp ships an update every 7 months, and IOU fortnightly. Most recently, DivUp was updated on October 4, 2026 and IOU on October 11, 2026.

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