# Checkbook vs ATM Split

The clearest difference is in-app purchases: ATM Split at none against Checkbook's 10. ATM Split also leads on rating (5.0 vs 4.7) and iOS requirement (18.6 vs 26.1). Checkbook's advantage is update cadence (every 10 days vs every 2 months) and ratings volume (206 vs 1). On price, ads and device support there is nothing between them.

Both are free to download. Checkbook sells 10 in-app purchases, starting at $1.99 per month. ATM Split asks for nothing beyond the download.

ATM Split holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Checkbook has 206 ratings behind it against 1, so its average is the more settled of the two.

Checkbook ships an update every 10 days, ATM Split every 2 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Checkbook | ATM Split |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (206 ratings)](https://appshunter.io/ios/app/checkbook-bills-to-budget/id1636872963/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/atm-split/id6762064476/reviews)** |
| Number of ratings | **206** | 1 |
| Positive reviews | 82.9% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 198 MB | 2 MB |
| Requires iOS | 26.1 | **18.6** |
| Devices | **iPhone, iPad, Vision Pro** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [CoreBits LLC](https://appshunter.io/developer/1257463128) | [Yousif Ameen](https://appshunter.io/developer/367427978) |

## What reviewers say

### Checkbook

[App page](https://appshunter.io/ios/app/checkbook-bills-to-budget/id1636872963)

This app acts as a modern checkbook register to help you organize bills, track spending, and avoid late fees. It shows your true available balance, not just what the bank has cleared, and provides budget tracking and future financial projections.

**Highlights:** Track cleared and pending payments, Bill reminders and automatic scheduling, Create and track spending budgets, Calendar view of financial future, Multiple account support, Family sharing

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bills to Budget Plus | $1.99 | per month |
| Bills to Budget Plus | $1.99 | per month |
| Bills to Budget Premium | $3.99 | per month |
| Bills to Budget Family Plus | $4.99 | per month |
| Bills to Budget Family Plus | $4.99 | per month |
| Bills to Budget Plus | $19.99 | per year |
| Bills to Budget Premium Annual | $29.99 | per year |
| Family Upgrade | $19.99 | one-time |
| Bills to Budget Plus Lifetime | $39.99 | one-time |
| Family Plus Lifetime | $59.99 | one-time |

**What reviewers like**

- 👍 Replaces Mint budgeting effectively
- 💡 Groups bills by pay period
- 🗓️ Calendar view for due dates
- ✨ Customer service is impressive
- 🚀 Quick response to support requests

**What reviewers complain about**

- 🐛 Doesn't work for 1099 contractors (irregular income)
- 🐛 Doesn't work with partial payments
- 🐛 Doesn't work with variable due amounts
- 🐛 Ledger disappeared on new phone
- ❓ No clear path to refund from Apple

**Reported bugs**

- Charged for something not billed
- Ledger disappeared on new phone
- Automated refund system by Apple
- Lifetime purchase not honored

**Requested features**

- Manual way to add income for irregular pay
- Tutorial on how to use the app
- Support for Portuguese language
- Enhance Chinese localization
- Add employment paycheck amounts for check and balancing


### ATM Split

[App page](https://appshunter.io/ios/app/atm-split/id6762064476)

This app helps you quickly and privately track shared expenses offline, perfect for travelers and roommates. It offers full Arabic support, multi-currency tracking, and smart debt simplification to reduce the number of payments needed for settlement.

**Highlights:** Offline expense tracking, Full Arabic and RTL support, Multi-currency support, Smart debt simplification, Editable expenses with notes, CSV data export, No account required

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

**In-app purchases:** none


## Frequently asked questions

### Is Checkbook free?

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

### Is ATM Split free?

ATM Split is free to download, with no in-app purchases.

### Which has better reviews, Checkbook or ATM Split?

ATM Split is rated higher. Checkbook averages 4.7 out of 5 from 206 ratings, while ATM Split averages 5.0 from 1 ratings.

### Do Checkbook or ATM Split have ads?

Neither Checkbook nor ATM Split shows ads.

### Which is updated more often, Checkbook or ATM Split?

Checkbook ships an update every 10 days, and ATM Split every 2 months. Most recently, Checkbook was updated on November 3, 2026 and ATM Split on October 31, 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.*