Comparison

IOU vs Split expenses

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 expenses

Easily track and share expenses with others, whether for trips or shared living. The app helps you organize who owes what and provides simplified settlement options. It also supports recurring bills and offline use.

Highlights
  • Share expenses with groups
  • Create expense groups
  • Manage recurring bills
  • Simplified settlement options
  • View independent payments
  • Expense history
  • iCloud synchronization
  • Offline mode
Features
Read full description

Introducing BillShare – the ultimate split expenses app! With BillShare, you can easily track your expenses, share them with others and settle up - all in one convenient place. Effortlessly split expenses. No more headaches over who owes what. Stay organized and focused on enjoying your time together. Whether you are planning a trip or sharing a household, this app surely fills your needs. FEATURES • Share your expenses Add expenses and share them with a group. • Create expenses groups You can create different groups for your house, friends, trip partners... • Recurring bills Create recurring expenses for rent, insurance, internet... See up next bills. • Settle up Get simplified pay off recommendations for single payment debt settlement. • Independent payments See who paid each expense for easier reviewal. • Expenses history Past paid expenses can also be seen and reviewed. • iCloud synchronization Automatic synchronization of the data between all your Apple devices (iPhone, iPad and Mac) thanks to iCloud. • Offline mode Add and review expenses offline, sync changes when reconnected FAQ ~ Is it free? It is a freemium app. You are offered 25 expenses for free on each group, so you can try the app to the fullest. You can upgrade the app to have infinite expenses creation with a single lifetime purchase or a subscription. ~ Why paying? I created the app as a solo indie developer and each purchase helps me creating new updates and helpful features. ~ What if I lose connection? No worries! All of your data is stored in the device until it can be synced with the rest of your devices. ~ I found a bug / I want to request a feature. Please send an email to contact@billsharing.app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOU4 screens
Split expenses4 screens

Verdict

The call

IOU and Split expenses both sit at 4.4 stars, but that hides the real split: 100% of Split expenses's written reviews are positive against 60% of IOU's. Split expenses also leads on iOS requirement (17.0 vs 26.0). IOU's advantage is update cadence (fortnightly vs monthly) and ratings volume (17 vs 3). On price, rating, ads 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 expenses sells 3 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

On the App Store both sit at effectively the same score — 4.4 for IOU against 4.3 for Split expenses. That said, the two scores are not equally well evidenced: IOU has 17 ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 60% of IOU's written reviews are positive against 100% of Split expenses's.

UpkeepUpdate frequency

IOU ships an update fortnightly, Split expenses monthly. The most recent releases landed on September 21, 2026 and September 9, 2026 respectively.

Scorecard4 real differences · 6 level
IOU versus Split expenses: the parameters behind the verdict, then further details
ParameterIOUSplit expenses
PriceFreeFree
Rating4.4 (17 ratings) — better4.3 (3 ratings)
Positive reviews60.0% of reviews100.0% of reviews — better
Number of ratings17 — better3
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad, Vision Pro — betteriPhone, iPad
Requires iOS26.017.0 — better
Further details — not scored
Size53 MB12 MB
Age rating4+4+
DeveloperEric AgredoJorge Romanos

Customer experience

IOU

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

Split expenses

All ratings3 ratings
Positive66.7%
Neutral33.3%
Negative0.0%
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
3 purchases

Split expenses

Subscriptions2
  • Monthly Pro$0.991 Month
  • Annual Pro$8.991 Year
One-time1
  • Lifetime Pro$14.99

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is Split expenses free?
Split expenses is free to download, with in-app purchases available.
Which has better reviews, IOU or Split expenses?
IOU is rated higher. IOU averages 4.4 out of 5 from 17 ratings, while Split expenses averages 4.3 from 3 ratings.
Do IOU or Split expenses have ads?
Neither IOU nor Split expenses shows ads.
Which is updated more often, IOU or Split expenses?
IOU ships an update fortnightly, and Split expenses monthly. Most recently, IOU was updated on September 21, 2026 and Split expenses on September 9, 2026.

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