Comparison

IOU vs Divvo

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

Divvo

Features
Read full description

Split bills effortlessly with friends. Divvo makes group dining simple. Snap a photo of any restaurant receipt and our AI instantly digitizes it, letting everyone claim their items, split shared dishes, and calculate tax and tip in real time. No more awkward math, spreadsheets, or chasing payments. Divvo integrates with payment apps like Venmo so everyone can settle up in seconds. Features • Scan and digitize receipts with AI • Claim individual items and split shared dishes • Automatically calculate tax and tip • Track who owes what in real time • Settle payments with Venmo integration • See your dining history and spending insights • Follow friends and share dining experiences Whether it's dinner with friends, happy hour, or a large group outing, Divvo makes splitting the bill effortless.

Screenshots

IOU4 screens
Divvo2 screens

Verdict

The call

The clearest difference is in-app purchases: Divvo at none against IOU's 5. Divvo also leads on iOS requirement (15.1 vs 26.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. Divvo asks for nothing beyond the download.

Scorecard2 real differences · 8 level
IOU versus Divvo: the parameters behind the verdict, then further details
ParameterIOUDivvo
PriceFreeFree
Rating4.4 (17 ratings) — better—
Positive reviews60.0% of reviews—
Number of ratings17 — better—
Update frequencyFortnightly—
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Vision Pro — betteriPhone, iPod
Requires iOS26.015.1 — better
Further details — not scored
Size53 MB33 MB
Age rating4+4+
DeveloperEric AgredoImtiaz Fatteh

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
None

Divvo

No in-app purchases

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is Divvo free?
Divvo is free to download, with no in-app purchases.
Do IOU or Divvo have ads?
Neither IOU nor Divvo shows ads.

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