# Gauss vs Split Pay

Gauss and Split Pay both sit at 4.9 stars, but that hides the real split: 71% of Split Pay's written reviews are positive against 46% of Gauss's. Split Pay also leads on chart position (#137 vs unranked) and ratings volume (22K vs 4.6K). Gauss's advantage is monetization model (free vs free with in-app purchases) and update cadence (weekly vs fortnightly). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for Gauss against 4.9 for Split Pay. Both are backed by a comparable volume of ratings — 4.6K and 22K respectively. Written reviews are what separate them: 46% of Gauss's written reviews are positive against 71% of Split Pay's.

Gauss ships an update weekly, Split Pay fortnightly. The most recent releases landed on November 7, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Gauss | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (4.6K ratings)](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443/reviews)** | [4.9 (22K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews) |
| Number of ratings | 4.6K | **22K** |
| Positive reviews | 46.4% of reviews | **71.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#137** |
| Size | 158 MB | 66 MB |
| Requires iOS | **16.0** | 16.6 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Gauss Rewards LLC](https://appshunter.io/developer/1673921471) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Gauss

[App page](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443)

This app helps you manage and pay off credit card debt faster. It offers tools for balance transfers, credit building, and personalized financial advice. Track all your credit cards, cash flow, and progress towards becoming debt-free.

**Highlights:** Balance transfers to low APR credit lines, Credit building with reporting to major bureaus, Payroll advance for late fee protection, Personalized AI financial assistant, Consolidated credit card management, Cash flow tracking and spending analysis, Automated debt payoff strategies (snowball/avalanche)

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast credit building
- 💡 Helpful credit tracking and budgeting tools
- 👍 Intuitive app design and user experience

**What reviewers complain about**

- 🐛 Buggy app and login issues
- ❌ Misleading or false advertising
- 💰 Unexpected fees and charges
- 🚫 Limited availability and accessibility

**Reported bugs**

- Account deletion and data removal problems
- Inconsistent app functionality across devices

**Requested features**

- Ability to remove connected accounts
- Customizable payment prioritization
- Improved customer support and responsiveness


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #137 Top Free · Finance (US App Store)

This app allows you to split major bills like rent, mortgage, and car payments into two smaller, more manageable installments. It aligns payment timing with your paychecks, offering flexibility without requiring a credit check and working with any landlord or lender.

**Highlights:** Split rent, mortgage, and car payments, Align payments with paychecks, No credit check required, Works with any landlord or lender, Build credit history with reported payments, Dedicated human support team

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


## Frequently asked questions

### Is Gauss free?

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

### Is Split Pay free?

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

### Which has better reviews, Gauss or Split Pay?

Gauss is rated higher. Gauss averages 4.9 out of 5 from 4.6K ratings, while Split Pay averages 4.9 from 22K ratings.

### Do Gauss or Split Pay have ads?

Neither Gauss nor Split Pay shows ads.

### Which is updated more often, Gauss or Split Pay?

Gauss ships an update weekly, and Split Pay fortnightly. Most recently, Gauss was updated on November 7, 2026 and Split Pay on November 11, 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.*