Splitwise vs COCOPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Splitwise
Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.
- Create groups or private friendships
- Add expenses in any currency
- Simplify debts into repayment plans
- Split expenses equally or unequally
- Record cash payments or use integrations
- Recurring bills
- Export to CSV
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Splitwise is the easiest way to share expenses with friends and family and stop stressing about “who owes who”. Millions of people around the world use Splitwise to organize group bills for households, trips, and more. Our mission is to reduce the stress and awkwardness that money places on our most important relationships. Splitwise is great for: - Roommates splitting rent and apartment bills - Group trips around the world - Splitting a vacation house for skiing or at the beach - Weddings and bachelor/bachelorette parties - Couples sharing relationship costs - Friends and co-workers who go out to lunch or dinner together frequently - Loans and IOUS between friends - And so much more Splitwise is simple to use: - Create groups or private friendships for any splitting situation - Add expenses, IOUs, or informal debts in any currency, with support for offline entry - Expenses are backed up online so everyone can log in, view their balances, and add expenses - Keep track of who should pay next, or settle up by recording cash payments or using our integrations We also have powerful features that can handle almost any money sharing situation. Here are some of our industry-leading features: - Multi-platform support for smartphones and web - Simplify debts into the easiest repayment plan - Expense categorization - Calculate group totals - Export to CSV - Comment directly on expenses - Split expenses equally or unequally by percentages, shares, or exact amounts - Add informal debts and IOUs - Create bills that reccur monthly, weekly, yearly, fortnightly - Add multiple payers on a single expense - See total balances with a person across multiple groups and private expenses - Custom user avatars - Cover photos for groups - Activity feed and push notifications help you stay on top of changes - View your edit history for changes to an expense - Any deleted group or bill can be restored easily - World-class customer support - Pay back using our integrated payments: Venmo and PayPal (US only), Paytm (India only) - 100+ currencies and growing - 7+ supported languages Endorsements: “Makes it easy to split everything from your dinner bill to rent.” - NY Times "Fundamental for tracking finances. As good as WhatsApp for containing awkwardness." – The Financial Times “I never fight with roommates over bills because of this genius expense-splitting app”- Business Insider “The Single Best App You Can Download for Group Trips of Any Kind” - Thrillist “Life Changing! I don’t review many things, but this app has seriously improved my quality of life. It has saved my sanity when it comes to splitting utilities, mortgage, groceries, dog expenses...the list goes on. No more saving receipts, making spreadsheets, and manually calculating each month. So handy for group trips/weekends, too! THANK YOU!!” – Courtney via the App Store We offer in-app purchases for “Splitwise Pro”, the benefits of which are described below. The subscription amount will be charged to your App Store account and will vary by plan and country. You’ll see the total price before completing your first payment. If you don’t choose to purchase “Splitwise Pro”, you can continue using Splitwise for free. Premium Subscription Service “Splitwise Pro”: 1. Store high-resolution receipts in the cloud (10GB cloud storage) 2. OCR integration for scanning and itemizing receipts 3. Backups to JSON, downloadable from our website 4. Convert expenses to different currencies using our Open Exchange Rates integration 5. Access to “spending by category” budgeting tools and other charts 6. Search full expense history “Splitwise Pro” subscriptions purchased in-app renew monthly or yearly depending on your plan. Plan pricing may vary by country. To avoid renewal, you must turn off auto-renew at least 24 hours before your subscription ends. You can turn off auto-renew at any time by visiting the App Store. Terms of Service and Privacy Policy: https://www.splitwise.com/terms
COCOPay
Make purchases easily and enjoyably at Cocomart and other participating stores. This app allows you to buy phone and electricity credit, and transfer funds between accounts.
- Easy shopping at Cocomart
- Accepts payments at partner stores
- Purchase phone credit
- Purchase electricity credit
- Transfer funds between accounts
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Belanja dengan COCOPay, mudah dan menyenangkan disetiap gerai Cocomart dan semua gerai toko atau warung makan berlogo COCOPay Dapatkan promo-promo menarik dari Cocomart. Beli pulsa handphone dan pulsa listrik, transfer dana antar akun COCOPay.
Screenshots
Verdict
The clearest difference is rating: Splitwise at 4.0 against COCOPay's 1.0. Splitwise also leads on update cadence (every 11 days vs every 3 months) and ratings volume (29K vs 1). COCOPay's advantage is in-app purchases (none vs 19) and iOS requirement (11.0 vs 16.0). On price, review sentiment, 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. Splitwise sells 10 in-app purchases, starting at $2.99 per month. COCOPay asks for nothing beyond the download.
Splitwise holds the better App Store score, 4.0 against 1.0. That said, the two scores are not equally well evidenced: Splitwise has 29K ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 45% of Splitwise's written reviews are positive against 50% of COCOPay's, so the app with the better star average is not the one people write more warmly about.
Splitwise ships an update every 11 days, COCOPay every 3 months. The most recent releases landed on October 13, 2026 and September 27, 2026 respectively.
| Parameter | Splitwise | COCOPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (29K ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 44.6% of reviews | 50.0% of reviews — better |
| Number of ratings | 29K — better | 1 |
| Update frequency | Every 11 days — better | Every 3 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #26 — better | — |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 67 MB | 60 MB |
| Age rating | 4+ | 4+ |
| Developer | Splitwise, Inc. | NUSA SATU INTI ARTHA, PT |
Customer experience
Splitwise
COCOPay
Bugs and requests
Splitwise
Reported bugs
4 issues- Payments not properly credited
- Expense entries disappearing
- Incorrect balance calculations
- Venmo integration issues
Requested features
5 requests- Custom recurring expense options
- Ability to set default split percentages
- Better group management tools
- Improved currency conversion and tracking
- Integration with more payment services
COCOPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Splitwise
- Splitwise Pro7 Days trial$2.991 Month
- Splitwise Pro3 variants$2.991 Month
- Splitwise Pro1 Month trial$2.991 Month
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- Splitwise Pro$3.991 Month
- Splitwise Pro4 variants$4.991 Month
- Splitwise Pro1 Month trial$29.991 Year
- Splitwise Pro2 variants$29.991 Year
- Splitwise Pro3 variants$39.991 Year
- Splitwise Pro1 Year trial$39.991 Year
- Splitwise Pro7 Days trial$59.991 Year
COCOPay
No in-app purchases
Questions
Is Splitwise free?
Is COCOPay free?
Which has better reviews, Splitwise or COCOPay?
Do Splitwise or COCOPay have ads?
Which is updated more often, Splitwise or COCOPay?
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