Comparison

IOU vs 1split

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

Head to head
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/

About

1split

Effortlessly split restaurant bills with friends. This app uses AI to scan receipts, accurately assign taxes and tips based on ordered items, and allows real-time group editing. Supports international currencies and integrates with payment platforms.

Highlights
  • AI receipt scanning
  • Weighted tax and tip calculation
  • Live group bill editing
  • Import receipts from camera roll
  • International currency support
  • Payment integration
Read full description

Tax and tip are fairly assigned based on the weighted split of items each person ordered. Your friend ordered the surf and turf and you got chicken? They pay more in tax and tip at the end. Using the latest in AI and computer vision, the app provides a live detection of the receipt as you move your camera. Unlike other apps that make you wait and hope the receipt is a good scan, 1split lets you preview the scan as you move the camera, making it easy to adjust on the fly. 1split features include: - Access to all your past receipts - Live group editing: your friends can join the bill on their phone to help split - Importing receipts from your camera roll: 1split will apply a high-resolution scan to images on your phone to detect receipt line items, tax and tip - International currency support: scan the bill in any currency and then send out requests in US dollars (currency conversion happens for you automatically) Privacy Policy https://sites.google.com/1split.com/privacy-policy Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOU4 screens
1split4 screens

Verdict

The call

IOU and 1split both sit at 4.4 stars, but that hides the real split: 100% of 1split's written reviews are positive against 60% of IOU's. 1split also leads on iOS requirement (16.0 vs 26.0). IOU's advantage is device support (3 vs 1). On price, rating, ratings volume and update cadence 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 and 1split sells 1 in-app purchase, starting at $4.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

1split holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 17 and 10 respectively. Written reviews point the same way: 60% of IOU's written reviews are positive against 100% of 1split's.

UpkeepUpdate frequency

IOU ships an update fortnightly, 1split every 2 weeks. The most recent releases landed on September 21, 2026 and June 1, 2026 respectively.

Scorecard3 real differences · 7 level
IOU versus 1split: the parameters behind the verdict, then further details
ParameterIOU1split
PriceFreeFree
Rating4.4 (17 ratings)4.6 (10 ratings) — better
Positive reviews60.0% of reviews100.0% of reviews — better
Number of ratings17 — better10
Update frequencyFortnightlyEvery 2 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad, Vision Pro — betteriPhone
Requires iOS26.016.0 — better
Further details — not scored
Size53 MB24 MB
Age rating4+4+
DeveloperEric AgredoManu Labs, LLC

Customer experience

IOU

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

1split

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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
1 purchases

1split

Subscriptions1
  • 1split Pro7 Days trial$4.991 Year

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is 1split free?
1split is free to download, with in-app purchases available.
Which has better reviews, IOU or 1split?
1split is rated higher. IOU averages 4.4 out of 5 from 17 ratings, while 1split averages 4.6 from 10 ratings.
Do IOU or 1split have ads?
Neither IOU nor 1split shows ads.
Which is updated more often, IOU or 1split?
IOU ships an update fortnightly, and 1split every 2 weeks. Most recently, IOU was updated on September 21, 2026 and 1split on June 1, 2026.

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