Comparison

Split+ vs Pony Up

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

Head to head
About

Split+

Features
Read full description

Split+ is your go-to app for managing group expenses effortlessly. Whether you're traveling with friends, sharing a meal, or organizing a gift fund, Split+ helps you keep everything organized and fair. Key Features: - Create Groups: choose from 170+ currencies and 4 group types to customize your experience for any occasion. - Add Friends Easily: invite friends to join your group and start sharing your expenses by sharing a link, showing a QR code, or inviting directly from your contacts. - Add and Split Expenses: easily add, split, and share expenses with friends or groups. Choose to split equally, by shares, or by amount. - Track Who Owes Whom: let Split+ automatically calculate who owes whom and the exact amount, making it simple to keep track. - Visualize Spending: stay on top of group expenses with visual charts and insights. View statistics by categories, group members, and days to get a detailed breakdown of your spending. Why Choose Split+? - Simple & User-Friendly: Intuitive design that makes splitting expenses a breeze. - Multi-Currency Support: Choose from over 150 currencies for global use. - Perfect for Any Event: Whether it’s a trip, a dinner, or any shared activity, Split+ helps you keep things fair. Download Split+ today and make splitting expenses a whole lot easier!

About

Pony Up

This finance app offers a private, customizable toolkit for managing your money. It allows you to split bills, create budgets, track subscriptions, and plan debt payoff without monthly fees or ads. Users can choose individual tools or bundles, with one module offered free.

Highlights
  • Split bills with friends
  • Build private budgets
  • Track subscriptions and bills
  • Create debt payoff plans
  • Customizable dashboard
  • Private data storage
Features
Read full description

Finance apps want a monthly subscription, all your data and drown you with ads for just one app. Pony Up doesn't. Add modules to your own customizable dashboard to do what you'd previously need four separate apps for. Pony Up is a private money toolkit you actually own. Split bills with friends, build a budget, track your subscriptions, and pay off debt — all on your phone, for no monthly fees or premium tiers. Pick the tools you need, pay once, and keep them forever. YOUR FIRST MODULE IS FREE Try any tool free for 7 days. Keep one free forever. Add more for 99¢ each — or get a bundle of 3 for $1.99. No subscriptions, ever. More finance and productivity modules coming out every month! — SPLIT BILLS — Settle up with roommates, trips, and group dinners in seconds. Scan a receipt, split it any way you want (evenly, by item, by percentage), and see exactly who owes what. No more chasing people over text. — BUDGET PRIVATELY — See what's actually safe to spend after bills and goals. Track spending by category, set budgets that roll over, manage multiple accounts, and watch your net worth grow — without ever linking a bank account. — TRACK BILLS & SUBSCRIPTIONS — Never get surprise-charged again. Pony Up reminds you before bills are due and warns you before a free trial converts to a paid plan. Catch silent price hikes and see exactly what your subscriptions cost per year. — CRUSH DEBT — Get a clear payoff plan and your real debt-free date. Compare the snowball and avalanche methods, see how much interest you'll save, and run "what if I paid extra" scenarios. Watch your progress and celebrate every debt you clear. — IT ALL WORKS TOGETHER — Pony Up is the only app that connects your splits, budget, bills, and debt. Through the dashboard any combination of modules can seamlessly combine. Scan one receipt and it splits with friends AND logs to your budget. Your upcoming bills shape what's safe to spend. It's a complete money picture nothing else can give you. WHY PONY UP IS DIFFERENT - Private by design — no bank login, no servers, your data never leaves your phone and your iCloud. - Pay once — 99¢ per tool, or your first one free. No $10/month subscription draining your account. - Built around real life — splitting with friends, not just spreadsheets. - Syncs across your devices with iCloud, automatically. No accounts. No ads. No selling your data. Just the money tools you need, that you actually own. Download Pony Up and build your money toolkit today. — Pony Up provides informational tools only and does not offer financial, tax, investment, or legal advice. Figures and projections are estimates.

Screenshots

Split+4 screens
Pony Up4 screens

Verdict

The call

The clearest difference is in-app purchases: Split+ at none against Pony Up's 5. On price, update cadence, 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

Both are free to download. Pony Up sells 5 one-off in-app purchases. Split+ asks for nothing beyond the download.

UpkeepUpdate frequency

Split+ ships an update fortnightly, Pony Up every 3 weeks. The most recent releases landed on October 7, 2026 and October 10, 2026 respectively.

Scorecard1 real difference · 9 level
Split+ versus Pony Up: the parameters behind the verdict, then further details
ParameterSplit+Pony Up
PriceFreeFree
Rating—5.0 (6 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—6 — better
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.4
Further details — not scored
Size35 MB93 MB
Age rating4+4+
DeveloperDigital AZNathan Hintz

In-app purchases

None

Split+

No in-app purchases

5 purchases

Pony Up

One-time5
  • Bill Splitter Module$0.99
  • Budgeting Module$0.99
  • Bills & Subscriptions Module$0.99
Show 2 more
  • Debt Planner Module$0.99
  • 3 Modules Bundle$1.99

Questions

Is Split+ free?
Split+ is free to download, with no in-app purchases.
Is Pony Up free?
Pony Up is free to download, with in-app purchases available.
Do Split+ or Pony Up have ads?
Neither Split+ nor Pony Up shows ads.
Which is updated more often, Split+ or Pony Up?
Split+ ships an update fortnightly, and Pony Up every 3 weeks. Most recently, Split+ was updated on October 7, 2026 and Pony Up on October 10, 2026.

Other comparisons