Comparison

IOU vs Split This

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

Split This

Effortlessly divide expenses with this bill splitting and receipt scanning tool. Automatically extract item details from receipts, assign costs to friends, and calculate individual totals including tax and tip. Share breakdowns instantly for stress-free group payments.

Highlights
  • Receipt scanning with automatic item extraction
  • Manual item entry and editing
  • Assign items to friends without sign-ups
  • Automatic tax and tip calculation
  • Built-in currency converter
  • Save and share payment breakdowns
Features
Read full description

Stop doing math at dinner. Snap a photo and Split This tells everyone what they owe — tax, tip, and shared items included. Friends don't need an account, and they can pay you back in one tap. Just fair splits in seconds. Scan, Snap, or Type • Take a photo and Split This automatically pulls the merchant, items, prices, tax, tip, and fees in seconds. • Prefer control? Type it in with our clean, simple editor. • Works for restaurants, groceries, rideshares, travel — anything with a receipt. Add Friends in One Tap • Just type their name. No accounts, no invites, no "did you download the app yet?" • Assign who ordered what — including shared appetizers, drinks, and extras. • Save your regulars as Favorites and add them instantly next time. Get Exact Totals Instantly • See exactly what each person owes, with tax and tip distributed fairly. • Adjust shared items, custom fees, and discounts in a tap. • Traveling abroad? Built-in currency conversion handles the rest. Get Paid Back • Add your PayPal, Cash App, or Venmo once. • Every total you send includes a tap-to-pay link, so friends pay you back on the spot. • No more fronting the bill and chasing people down. Save & Share • Keep a clean history of every receipt and who's paid. • Send each person their total through Messages, WhatsApp, or any app. Built for: • Restaurant checks • Rideshares and group trips • Groceries and household bills • Travel expenses in any currency No more awkward math. No more "who got the appetizer." No more chasing people down. Just clear, fair, transparentsplits — every time. Download Split This and make every shared payment simple. Split This is free to use, with a Premium subscription that unlocks unlimited saved receipts, unlimited scanning, currency conversion, and an ad-free experience. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOU4 screens
Split This3 screens

Verdict

The call

The clearest difference is rating: Split This at 5.0 against IOU's 4.4. Split This also leads on review sentiment (100% vs 60%) and iOS requirement (18.0 vs 26.0). IOU's advantage is ads (none vs shown). On price, ratings volume, update cadence 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month and Split This sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Split This holds the better App Store score, 5.0 against 4.4. Both are backed by a comparable volume of ratings — 17 and 8 respectively. Written reviews point the same way: 60% of IOU's written reviews are positive against 100% of Split This's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on September 21, 2026 and June 22, 2026 respectively.

Scorecard4 real differences · 6 level
IOU versus Split This: the parameters behind the verdict, then further details
ParameterIOUSplit This
PriceFreeFree
Rating4.4 (17 ratings)5.0 (8 ratings) — better
Positive reviews60.0% of reviews100.0% of reviews — better
Number of ratings17 — better8
Update frequencyFortnightlyFortnightly
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Vision Pro — betteriPhone, iPad
Requires iOS26.018.0 — better
Further details — not scored
Size53 MB22 MB
Age rating4+4+
DeveloperEric AgredoChristopher Donoso

Customer experience

IOU

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

Split This

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 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
2 purchases

Split This

Subscriptions2
  • Premium Monthly Plan7 Days trial$0.991 Month
  • Premium Annual Plan7 Days trial$9.991 Year

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is Split This free?
Split This is free to download, with in-app purchases available.
Which has better reviews, IOU or Split This?
Split This is rated higher. IOU averages 4.4 out of 5 from 17 ratings, while Split This averages 5.0 from 8 ratings.
Do IOU or Split This have ads?
Split This shows ads; IOU does not.
Which is updated more often, IOU or Split This?
IOU ships an update fortnightly, and Split This fortnightly. Most recently, IOU was updated on September 21, 2026 and Split This on June 22, 2026.

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