Comparison

Pico Spend vs Spend Split

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

Head to head
About

Pico Spend

Easily track your daily expenses with a calculator-like interface and detailed reports. Analyze spending by category, view summaries, and export data. Includes an Apple Watch app for on-the-go tracking.

Highlights
  • Quick expense entry
  • Detailed spending reports
  • Category-based analysis
  • Apple Watch app
  • iCloud backup
  • Passcode protection
Features
Read full description

Pico Spend is a simple, intuitive expense tracker with robust reporting and drill-down capabilities for everyday spending analysis. Pico Spend is a private expense tracker that stores all spending data on your iPhone. It doesn’t require external servers, account creation, or any helper apps. Data connection is unnecessary for expense entry and reporting, as Pico Spend works completely offline. There are no subscriptions or in-app purchases with Pico Spend. It comes as a one-time purchase with an Apple Watch app included. You can also try Pico Spend Lite - a free version with limited functionality. FEATURES • Track your expenses right after the app launch - no servers or accounts needed • Calculator-like screen for quick expense entry • Expense categories are pre-populated, but fully customizable • Dashboard with up to four configurable periods for quick spending overview • List of your expenses day by day, searchable and editable • Summary reports of your data - daily, weekly, monthly, or by expense category • Option to define a comparison period for parallel analysis with the current reporting period • Reports can be presented in drill-down tables, bar graphs, pie charts, or PDF documents • Print, email, or share PDF reports directly from within the app • Spending data can be exported in CSV format, which is convenient for use in various spreadsheet programs • Backup and restore all spending data to iCloud • Optional passcode protection upon launch • Foreign currency conversion • Bundled Apple Watch app for a quick overview of your spending for the current day

About

Spend Split

Features
Read full description

Spend Split is the budget planner that tracks your spending, splits bills with friends, and never forgets who SPEND WISELY. SPLIT FAIRLY. TRACK YOUR SPENDING • Add expenses in seconds with the built-in calculator • Smart categories and recent suggestions • Attach receipt photos to any transaction BUDGETS THAT ACTUALLY WORK • Set budgets per category • Real-time alerts before you overspend • Weekly, monthly, or yearly periods SPLIT BILLS WITHOUT THE DRAMA • Split group expenses equally or your way • Perfect for trips, dinners, and roommates NEVER FORGET WHO OWES YOU • Track money lent and borrowed • Due dates and partial repayments • Full history of every IOU 150+ CURRENCIES • Perfect if you live, work, or travel across borders • Set your home currency, record in any other YOUR DATA, SECURE • Encrypted cloud sync • We never sell your information TRY PREMIUM FREE FOR 1 MONTH No credit card required. Cancel anytime. Then continue free, or go Premium for $3.99/month. Now in 6 languages: English, Arabic, Spanish, Hindi, Indonesian, and Chinese. Terms of Use: https://getspendwise.co/terms Privacy Policy: https://getspendwise.co/privacy

Screenshots

Pico Spend4 screens
Spend Split4 screens

Verdict

The call

The clearest difference is price: Spend Split at Free against Pico Spend's $1.99. Spend Split also leads on update cadence (fortnightly vs every 7 months) and iOS requirement (13.0 vs 17.0). Pico Spend's advantage is in-app purchases (none vs 1). On 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

Spend Split is free to download; Pico Spend costs $1.99 up front. Spend Split sells 1 in-app purchase, starting at $2.99 per month. Pico Spend asks for nothing beyond the download.

UpkeepUpdate frequency

Pico Spend ships an update every 7 months, Spend Split fortnightly. The most recent releases landed on October 6, 2026 and September 27, 2026 respectively.

Scorecard4 real differences · 6 level
Pico Spend versus Spend Split: the parameters behind the verdict, then further details
ParameterPico SpendSpend Split
Price$1.99Free — better
Rating4.3 (3 ratings) — better—
Positive reviews81.8% of reviews—
Number of ratings3 — better—
Update frequencyEvery 7 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaid—
DevicesiPhone, Apple WatchiPhone, iPad, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size2 MB68 MB
Age rating4+17+
DeveloperDejan PetrovskiSaeed Anwar

In-app purchases

None

Pico Spend

No in-app purchases

1 purchases

Spend Split

Subscriptions1
  • Premium Monthly$2.991 Month

Questions

Is Pico Spend free?
Pico Spend costs $1.99, with no in-app purchases.
Is Spend Split free?
Spend Split is free to download, with in-app purchases available.
Do Pico Spend or Spend Split have ads?
Neither Pico Spend nor Spend Split shows ads.
Which is updated more often, Pico Spend or Spend Split?
Pico Spend ships an update every 7 months, and Spend Split fortnightly. Most recently, Pico Spend was updated on October 6, 2026 and Spend Split on September 27, 2026.

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