# IOU vs SplitPal

The clearest difference is iOS requirement: SplitPal at 17.0 against IOU's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month and SplitPal sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

IOU ships an update fortnightly, SplitPal every 8 days. The most recent releases landed on September 25, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | IOU | SplitPal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (17 ratings)](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294/reviews)** | — |
| Number of ratings | **17** | — |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 8 days** |
| Monetization | Freemium | — |
| Size | 53 MB | 44 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | **iPhone, iPad, Vision Pro** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Eric Agredo](https://appshunter.io/developer/1475112741) | [yeow seng ooi](https://appshunter.io/developer/1879715051) |

## What reviewers say

### IOU

[App page](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294)

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:** Family Sharing

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| IOU Pro | $0.99 | per month |
| IOU Pro | $2.99 | per month |
| IOU Pro | $6.99 | per year |
| IOU Pro | $24.99 | per year |
| Lifetime IOU Pro | $29.99 | one-time |


### SplitPal

[App page](https://appshunter.io/ios/app/splitpal-split-bills/id6761250099)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SplitPal Pro Monthly | $4.99 | per month |
| SplitPal Pro Annual | $29.99 | per year |


## Frequently asked questions

### Is IOU free?

IOU is free to download, with in-app purchases available.

### Is SplitPal free?

SplitPal is free to download, with in-app purchases available.

### Do IOU or SplitPal have ads?

Neither IOU nor SplitPal shows ads.

### Which is updated more often, IOU or SplitPal?

IOU ships an update fortnightly, and SplitPal every 8 days. Most recently, IOU was updated on September 25, 2026 and SplitPal on October 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*