Comparison

Lovely Split vs Owelo

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

Head to head
About

Lovely Split

Effortlessly manage shared expenses and payments with friends, family, or roommates. Track who owes what for rent, trips, or meals, and settle up with integrated secure payments. Set up recurring payments and ROSCAs to simplify ongoing financial arrangements.

Highlights
  • Split expenses with friends and family
  • Manage group payments
  • Integrated secure payment system
  • Create pay events
  • Setup recurring payments
  • Setup ROSCA
Features
Read full description

Lovely Split makes splitting expenses and managing payments with friends, family, or roommates effortless. Whether you’re covering rent, planning a group trip, or simply sharing a meal, Lovely Split ensures that everyone’s share is clear, fair, and settled with ease. With fast and secure payments integrated directly into the app, you can instantly send or request money, create a pay event and setup recurring payments and setup ROSCA. Keep track of expenses, balances, and reimbursements without the hassle of manual calculations. Lovely Split ensures that no one forgets who owes what, helping you avoid awkward conversations about money.

About

Owelo

Easily manage and split the cost of shared subscriptions with household members. Automates payments and eliminates the need for password sharing. Ideal for students and shared living situations.

Highlights
  • Create and manage shared subscription plans
  • Automated payment splitting
  • Smart cost splitting
  • Secure and private
  • Supports Apple Pay and Stripe
Features
Read full description

Owelo makes sharing recurring subscriptions simple. It’s built for a world where password sharing is over. Create a plan, invite your roommates, and let Owelo handle the payments automatically. Perfect for college students and shared households: • Streaming services (Netflix, Spotify, Hulu, and Disney+), shared memberships, and other household expenses Features: • Create and manage shared subscription plans with roommates • Split recurring payments automatically using Apple Pay or Stripe • Smart cost splitting so everyone pays their share on time • Private and secure with no shared passwords or awkward reminders Say goodbye to Daddy’s password. Start owning your subscriptions with Owelo.

Screenshots

Lovely Split4 screens
Owelo4 screens

Verdict

The call

The clearest difference is update cadence: Owelo at every 2 days against Lovely Split's every 5 weeks. Lovely Split's advantage is ratings volume (15 vs 5) and iOS requirement (13.4 vs 18.5). On price, rating, review sentiment and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Lovely Split against 5.0 for Owelo. Both are backed by a comparable volume of ratings — 15 and 5 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Lovely Split ships an update every 5 weeks, Owelo every 2 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard3 real differences · 7 level
Lovely Split versus Owelo: the parameters behind the verdict, then further details
ParameterLovely SplitOwelo
PriceFreeFree
Rating5.0 (15 ratings)5.0 (5 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings15 — better5
Update frequencyEvery 5 weeksEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.4 — better18.5
Further details — not scored
Size12 MB16 MB
Age rating4+9+
DeveloperLovely Split, Inc.Quincy Keele

Customer experience

Lovely Split

All ratings14 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews10 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Owelo

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Lovely Split

No in-app purchases

None

Owelo

No in-app purchases

Questions

Is Lovely Split free?
Lovely Split is free to download, with no in-app purchases.
Is Owelo free?
Owelo is free to download, with no in-app purchases.
Which has better reviews, Lovely Split or Owelo?
Lovely Split and Owelo are both rated 5.0 out of 5 on the App Store, from 15 and 5 ratings respectively.
Do Lovely Split or Owelo have ads?
Neither Lovely Split nor Owelo shows ads.
Which is updated more often, Lovely Split or Owelo?
Lovely Split ships an update every 5 weeks, and Owelo every 2 days. Most recently, Lovely Split was updated on October 24, 2026 and Owelo on October 28, 2026.

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