Comparison

Splitwise vs Cost Split Payments

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

Cost Split Payments

Effortlessly manage shared expenses with friends, roommates, or travel buddies. This app automates calculations, tracks debts, and categorizes spending, making financial coordination simple and stress-free. Enjoy offline functionality for tracking expenses anytime, anywhere.

Highlights
  • Create and manage groups
  • Log expenses with details
  • Automatic expense calculations
  • Track and settle debts
  • Customizable expense categories
  • Offline expense tracking
Features
Read full description

Splitility: Simplify Expense Sharing Splitility is the ultimate app for managing shared expenses, whether you're planning a trip, splitting rent, or organizing a night out. Say goodbye to awkward money talks and let Splitility do the heavy lifting for you! Key Features: * Create Groups: Quickly set up groups for any shared experience—perfect for friends, roommates, or travel buddies. * Track Expenses: Log expenses effortlessly with detailed descriptions, amounts, and participant selection. * Automatic Calculations: No more messy math! Splitility ensures fair and accurate expense splits. * Debt Management: Instantly see who owes whom and keep things balanced with easy settlement options. * Customizable Categories: Categorize your expenses (food, transportation, entertainment, and more) for better tracking. * Offline Functionality: Track expenses anytime, anywhere—no internet required! Why Choose Splitility? * Intuitive and user-friendly interface. * Works great for everything from road trips to daily expenses. * Keeps your finances organized and relationships stress-free. Download Splitility today and make sharing expenses simple!

Screenshots

Splitwise4 screens
Cost Split Payments4 screens

Verdict

The call

The clearest difference is rating: Cost Split Payments at 4.7 against Splitwise's 4.0. Cost Split Payments also leads on review sentiment (75% vs 44%). Splitwise's advantage is ratings volume (28K vs 11) and chart position (#29 vs unranked). On price, update cadence, ads and in-app purchases 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. Splitwise sells 10 in-app purchases, starting at $2.99 per month and Cost Split Payments sells 4 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Cost Split Payments holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: Splitwise has 28K ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 44% of Splitwise's written reviews are positive against 75% of Cost Split Payments's.

UpkeepUpdate frequency

Splitwise ships an update weekly, Cost Split Payments fortnightly. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

Scorecard4 real differences · 7 level
Splitwise versus Cost Split Payments: the parameters behind the verdict, then further details
ParameterSplitwiseCost Split Payments
PriceFreeFree
Rating4.0 (28K ratings)4.7 (11 ratings) — better
Positive reviews44.3% of reviews75.0% of reviews — better
Number of ratings28K — better11
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#29 — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size67 MB35 MB
Age rating4+4+
DeveloperSplitwise, Inc.Nadiia Martyniuk

Customer experience

Splitwise

All ratings28,064 ratings
Positive73.6%
Neutral2.2%
Negative24.2%
Written reviews2,264 reviews
Positive44.3%
Neutral6.4%
Negative49.2%

Cost Split Payments

All ratings11 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

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

Cost Split Payments

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Splitwise

Subscriptions10
  • Splitwise Pro7 Days trial$2.991 Month
  • Splitwise Pro3 variants$2.991 Month
  • Splitwise Pro1 Month trial$2.991 Month
Show 7 more
  • 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
4 purchases

Cost Split Payments

Subscriptions4
  • Weekly Plan3 Days trial$4.997 Days
  • 6 Month3 Days trial$8.996 Months
  • Yearly Plan$17.991 Year
Show 1 more
  • 1 Month$31.991 Month

Questions

Is Splitwise free?
Splitwise is free to download, with in-app purchases available.
Is Cost Split Payments free?
Cost Split Payments is free to download, with in-app purchases available.
Which has better reviews, Splitwise or Cost Split Payments?
Cost Split Payments is rated higher. Splitwise averages 4.0 out of 5 from 28K ratings, while Cost Split Payments averages 4.7 from 11 ratings.
Do Splitwise or Cost Split Payments have ads?
Neither Splitwise nor Cost Split Payments shows ads.
Which is updated more often, Splitwise or Cost Split Payments?
Splitwise ships an update weekly, and Cost Split Payments fortnightly. Most recently, Splitwise was updated on September 24, 2026 and Cost Split Payments on September 11, 2026.

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