Comparison

TOConline OCC vs Split Meld

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

Head to head
About

TOConline OCC

Features
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Aceda às principais funcionalidades móveis do TOConline, agora com o selo de garantia da Ordem dos Contabilistas Certificados. Com a app TOConline OCC, mantenha a simplicidade na gestão da contabilidade da sua empresa. Pode ainda: - Emitir faturas - Consultar faturas - Registar despesas através de uma fotografia - Consulta de informação atualizada em tempo real - Declarações de IVA e outros relatórios - Fichas de clientes - Dashboard com o sumário da sua atividade financeira.

About

Split Meld

Features
Read full description

Split Meld is the AI-powered shared household manager. Beyond bill splitting — track expenses, rotate chores, share shopping lists, manage recurring bills, settle IOUs, and get AI advice on fair splits. Built for roommates, housemates, couples, and co-living. EXPENSE TRACKING & SPLITTING - Add expenses with photo receipt upload - Split equally, by share, by percentage, by exact amount - 10 pre-seeded categories (rent, utilities, groceries, more) - Per-expense activity log - Settlement-ready balances per household member RECURRING BILL TRACKING - Templates for rent, utilities, subscriptions - Frequency: monthly / weekly / quarterly / yearly - Auto-create expense records when due - Next-due-date auto-calculation IOU TRACKING & SETTLEMENT - Track who owes whom across all expenses - Simplified-debt math (you don't need 6 transfers when 2 will do) - One-tap "settle" with payment-method tagging (Venmo, Zelle, cash) - Settlement history CHORE ROTATION - Set chores with frequency + assignee rotation - Auto-rotate next assignee - Mark complete with photo proof - Streak tracking + accountability SHARED SHOPPING LISTS - Add items with quantity + assigned shopper - Real-time sync across household - Mark "in cart" / "purchased" / "out of stock" - History of who bought what AI ROOMMATE COACH - Conversational AI aware of your household balances + chores - "Should rent be 50/50 if I'm gone half the month?" — fair-split math - Dispute-resolution suggestions - Spending-pattern analysis SPENDING ANALYTICS - Per-household + per-person trend charts - Category breakdown - Monthly summaries PAYMENT REMINDERS - Push notifications for owed balances - Bill due dates - Chore reminders GAMIFICATION - 25 achievements (first split, 10 settled, perfect chore week) - XP, levels, streaks PRIVACY & SECURITY - Email + 6-digit OTP, Google Sign-In, or Apple Sign-In - Receipt photos encrypted, deletable any time - We never sell your data SUBSCRIPTION PLANS Free: - 1 household - Up to 4 members - Basic splitting + IOU - Limited chores + shopping list Premium ($3.99/month or $29.99/year): - Unlimited households + members - Recurring bills auto-create - Photo receipt upload - AI Roommate Coach unlimited - Advanced analytics - Priority support - 7-day free trial vs Splitwise Pro $4.99 (no chores or lists), Venmo (transfers only), HomeSlice / Tally / OurHome (basic). Split Meld is full-stack household management. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your App Store account settings after purchase. Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription. Privacy Policy: https://splitmeld.infoinlet.com/privacy-policy Terms of Use: https://splitmeld.infoinlet.com/terms-of-service SUBSCRIPTION TERMS Split Meld Premium is an auto-renewable subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends. You can manage and cancel your subscription anytime in your iTunes Account Settings. Available plans: - Monthly: $4.99 per month - Annual: $29.99 per year

Screenshots

TOConline OCC4 screens
Split Meld4 screens

Verdict

The call

The clearest difference is in-app purchases: TOConline OCC at none against Split Meld's 4. TOConline OCC also leads on update cadence (every 5 days vs every 3 weeks) and iOS requirement (13.0 vs 15.0). On price, 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. Split Meld sells 4 in-app purchases, starting at $3.99 per month. TOConline OCC asks for nothing beyond the download.

UpkeepUpdate frequency

TOConline OCC ships an update every 5 days, Split Meld every 3 weeks. The most recent releases landed on October 3, 2026 and October 11, 2026 respectively.

Scorecard3 real differences · 3 level
TOConline OCC versus Split Meld: the parameters behind the verdict, then further details
ParameterTOConline OCCSplit Meld
PriceFreeFree
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size25 MB34 MB
Age rating4++4
DeveloperOrdem dos Contabilistas CertificadosINFO INLET K.K.

In-app purchases

None

TOConline OCC

No in-app purchases

4 purchases

Split Meld

Subscriptions4
  • Premium Monthly Offer$3.991 Month
  • Premium Monthly$4.991 Month
  • Premium Yearly Offer$23.991 Year
Show 1 more
  • Premium Yearly$29.991 Year

Questions

Is TOConline OCC free?
TOConline OCC is free to download, with no in-app purchases.
Is Split Meld free?
Split Meld is free to download, with in-app purchases available.
Do TOConline OCC or Split Meld have ads?
Neither TOConline OCC nor Split Meld shows ads.
Which is updated more often, TOConline OCC or Split Meld?
TOConline OCC ships an update every 5 days, and Split Meld every 3 weeks. Most recently, TOConline OCC was updated on October 3, 2026 and Split Meld on October 11, 2026.

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