# Cost Split vs Cost Split Payments

The clearest difference is update cadence: Cost Split Payments at fortnightly against Cost Split's every 6 weeks. Cost Split's advantage is ratings volume (129 vs 11) and review sentiment (86% vs 75%). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Cost Split sells 2 one-off in-app purchases 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.

On the App Store both sit at effectively the same score — 4.6 for Cost Split against 4.7 for Cost Split Payments. That said, the two scores are not equally well evidenced: Cost Split has 129 ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 86% of Cost Split's written reviews are positive against 75% of Cost Split Payments's.

Cost Split ships an update every 6 weeks, Cost Split Payments fortnightly. The most recent releases landed on October 4, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Cost Split | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (129 ratings)](https://appshunter.io/ios/app/cost-split/id524132764/reviews) | **[4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews)** |
| Number of ratings | **129** | 11 |
| Positive reviews | **85.7% of reviews** | 75.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 31 MB | 35 MB |
| Requires iOS | **8.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Jacob Ivstam](https://appshunter.io/developer/524132767) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### Cost Split

[App page](https://appshunter.io/ios/app/cost-split/id524132764)

Easily manage shared expenses with friends and family. Track group costs, split bills unevenly, and get clear payback plans. Supports online and offline use with cloud sync and email reports.

**Highlights:** Cloud sync for group expenses, Offline support, Uneven expense splitting, Payback calculations, Email expense reports, Multiple currency support, Attach photos to expenses

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlock | $0.99 | one-time |
| Premium | $0.99 | one-time |

**What reviewers like**

- 🚀 Easy to use
- 👍 Intuitive interface
- 💰 Inexpensive premium version
- 🌍 Supports multiple currencies
- 📝 Detailed expense tracking

**What reviewers complain about**

- 🐛 Currency rates not downloading
- 🔒 Difficult to cancel premium subscription
- 🔍 Limited to 5 free transactions
- 📤 Email report formatting issues
- 🔍 Lack of search/filtering options

**Reported bugs**

- Syncing issues between devices
- Incorrect expense calculation/payback amounts

**Requested features**

- Add ability to group/categorize expenses
- Implement Android app version
- Allow more than one person to pay an expense
- Add option to print/export expense reports
- Include receipt image attachments in email reports


### Cost Split Payments

[App page](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Plan | $4.99 | per 7 days |
| 6 Month | $8.99 | per 6 months |
| Yearly Plan | $17.99 | per year |
| 1 Month | $31.99 | per month |


## Frequently asked questions

### Is Cost Split free?

Cost Split 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, Cost Split or Cost Split Payments?

Cost Split Payments is rated higher. Cost Split averages 4.6 out of 5 from 129 ratings, while Cost Split Payments averages 4.7 from 11 ratings.

### Do Cost Split or Cost Split Payments have ads?

Neither Cost Split nor Cost Split Payments shows ads.

### Which is updated more often, Cost Split or Cost Split Payments?

Cost Split ships an update every 6 weeks, and Cost Split Payments fortnightly. Most recently, Cost Split was updated on October 4, 2026 and Cost Split Payments on September 30, 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.*