# Spending Tracker vs Cost Split Payments

The clearest difference is review sentiment: Cost Split Payments at 75% against Spending Tracker's 0%. Cost Split Payments also leads on update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Spending Tracker sells 3 in-app purchases, starting at $1.99 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.

Spending Tracker ships an update every 2 months, Cost Split Payments fortnightly. The most recent releases landed on September 30, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Cost Split Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (11 ratings)](https://appshunter.io/ios/app/cost-split-payments-settle-up/id6541750436/reviews)** |
| Number of ratings | — | **11** |
| Positive reviews | 0.0% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 41 MB | 35 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [xita apps](https://appshunter.io/developer/1461041968) | [Nadiia Martyniuk](https://appshunter.io/developer/1757187452) |

## What reviewers say

### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-bill-split/id6450136724)

Easily track household and shared expenses with friends or family. This app simplifies budgeting, monitors spending habits, and automatically calculates balances for group expenses, ensuring transparent money management.

**Highlights:** Create family and friend groups, Track daily expenses and spending, Automatic balance calculations, Monitor shared money activity, Detailed spending reports, Budget calculator

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| SpendingTracker_UnlimitedGroup | $4.99 | one-time |
| Spending Tracker Premium | $9.99 | one-time |


### 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 Spending Tracker free?

Spending Tracker 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.

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

Neither Spending Tracker nor Cost Split Payments shows ads.

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

Spending Tracker ships an update every 2 months, and Cost Split Payments fortnightly. Most recently, Spending Tracker was updated on September 30, 2026 and Cost Split Payments on October 16, 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.*