IOU vs Dividely
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Receipt scanning and itemization
- Assign items to individuals
- Automatic tax and tip calculation
- Per-person total calculation
- Eliminates manual bill splitting
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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/
Dividely
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Managing shared expenses has never been easier! Our app allows you to split bills seamlessly, whether it’s for a dinner with friends, a trip with colleagues, or household expenses. Say goodbye to complicated calculations and awkward payment reminders—track, manage, and settle expenses effortlessly. Key Features: Group Expense Splitting – Create groups and divide expenses fairly among members. One-on-One Splitting – Quickly split bills with a single person. Smart Calculations – No more manual math—our app ensures fairness with accurate breakdowns. Expense Tracking – Keep a clear record of all transactions, payments, and balances. Easy Settlements – Know who owes whom and simplify reimbursements. Multi-Currency Support – Traveling abroad? Split expenses in different currencies effortlessly. Notifications & Reminders – Never forget a pending payment with smart reminders. Secure & Private – Your financial data stays safe with encrypted storage. How It Works: 1. Add an Expense – Choose an amount, add participants, and specify how it should be split. 2. Track Balances – View who owes what and simplify payments. 3. Settle Up – Mark payments, send reminders, and stay debt-free effortlessly. Perfect for roommates, couples, families, friends, colleagues, or anyone who shares expenses! Download now and make expense splitting hassle-free!
Screenshots
Verdict
The clearest difference is in-app purchases: Dividely at none against IOU's 5. Dividely also leads on iOS requirement (13.4 vs 26.0). IOU's advantage is update cadence (fortnightly vs every 6 months). 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
Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. Dividely asks for nothing beyond the download.
IOU ships an update fortnightly, Dividely every 6 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | IOU | Dividely |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (18 ratings) — better | — |
| Positive reviews | 60.0% of reviews | — |
| Number of ratings | 18 — better | — |
| Update frequency | Fortnightly — better | Every 6 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, Vision Pro — better | iPhone, iPod |
| Requires iOS | 26.0 | 13.4 — better |
| Further details — not scored | ||
| Size | 53 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | Eric Agredo | Security Management |
In-app purchases
IOU
- IOU Pro3 Days trial$0.991 Month
- IOU Pro$2.991 Month
- IOU Pro7 Days trial$6.991 Year
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- IOU Pro7 Days trial$24.991 Year
- Lifetime IOU Pro$29.99
Dividely
No in-app purchases









