Comparison

IOU vs Split2Calc

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

Split2Calc

Features
Read full description

In order to use AI feature additional subscription is required for it. Our plans are flexible and based on your needs. Smart Bill Splitting: No more confusion or awkward moments when it comes to splitting bills. With this application you can easily divide expenses among friends, roommates, or colleagues in just a few taps. Input the total bill amount, specify the number of people, and let the application handle the rest, ensuring everyone pays their fair share. Accurate Tip Calculations: Never struggle with tip percentages again! Whether you're dining out, grabbing coffee, or enjoying a night on the town, the application helps you calculate tips effortlessly. Customize the tip percentage based on your preference, and watch as the app provides instant and accurate tip amounts for an stress-free payment experience. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOU4 screens
Split2Calc4 screens

Verdict

The call

The clearest difference is update cadence: Split2Calc at every 4 days against IOU's fortnightly. Split2Calc also leads on iOS requirement (17.0 vs 26.0). On price, ads, in-app purchases 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 and Split2Calc sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

IOU ships an update fortnightly, Split2Calc every 4 days. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

Scorecard2 real differences · 8 level
IOU versus Split2Calc: the parameters behind the verdict, then further details
ParameterIOUSplit2Calc
PriceFreeFree
Rating4.4 (17 ratings) — better—
Positive reviews60.0% of reviews—
Number of ratings17 — better—
Update frequencyFortnightlyEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, Vision Pro — betteriPhone, iPad
Requires iOS26.017.0 — better
Further details — not scored
Size53 MB21 MB
Age rating4+17+
DeveloperEric AgredoHRISTO STANKOV STANKOV

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
3 purchases

Split2Calc

Subscriptions3
  • Try-and-Go$0.997 Days
  • Pay-As-You-Go$3.991 Month
  • Annual Saver$29.991 Year

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is Split2Calc free?
Split2Calc is free to download, with in-app purchases available.
Do IOU or Split2Calc have ads?
Neither IOU nor Split2Calc shows ads.
Which is updated more often, IOU or Split2Calc?
IOU ships an update fortnightly, and Split2Calc every 4 days. Most recently, IOU was updated on September 25, 2026 and Split2Calc on September 24, 2026.

Other comparisons