# OnTopic Chat vs SettleIt

The clearest difference is ads: SettleIt at none against OnTopic Chat's shown. On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. OnTopic Chat sells 10 one-off in-app purchases and SettleIt sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

OnTopic Chat ships an update every 3 months, SettleIt every 6 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | OnTopic Chat | SettleIt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/ontopic-chat/id6468880281/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | Ad-supported | — |
| Size | 81 MB | 108 MB |
| Requires iOS | **17.0** | 18.1 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 12+ |
| Developer | [OnTopic LLC](https://appshunter.io/developer/1710737903) | [David Gomez](https://appshunter.io/developer/1811633964) |

## What reviewers say

### OnTopic Chat

[App page](https://appshunter.io/ios/app/ontopic-chat/id6468880281)

This social networking app provides a vast library of curated questions and trending topics to facilitate engaging conversations. It offers various question types, from fun challenges to debate prompts, designed to help users connect and deepen relationships.

**Highlights:** Curated conversation starters, Daily trending topics, Truth or dare challenges, Icebreaker questions, Newlywed quizzes, Debate topics, End-to-end encryption

**Features:** macOS Compatibility

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| AI & Ethics | $1.99 | one-time |
| Morality & Human Nature | $1.99 | one-time |
| Justice & Power | $1.99 | one-time |
| Family and Inlaws | $2.99 | one-time |
| Communication, Trust and Power | $2.99 | one-time |
| Sex and Intimacy | $3.99 | one-time |
| Four Play | $9.99 | one-time |
| Bare It All | $9.99 | one-time |
| Kiss and Tell | $14.99 | one-time |
| Foxy Friends | $14.99 | one-time |


### SettleIt

[App page](https://appshunter.io/ios/app/settleit-close-discussions/id6745276561)

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SettleIt Monthly Premium | $0.99 | per month |


## Frequently asked questions

### Is OnTopic Chat free?

OnTopic Chat is free to download, with in-app purchases available.

### Is SettleIt free?

SettleIt is free to download, with in-app purchases available.

### Do OnTopic Chat or SettleIt have ads?

OnTopic Chat shows ads; SettleIt does not.

### Which is updated more often, OnTopic Chat or SettleIt?

OnTopic Chat ships an update every 3 months, and SettleIt every 6 weeks. Most recently, OnTopic Chat was updated on November 3, 2026 and SettleIt on November 5, 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.*