Lovely Split vs Split With SquareUp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Split expenses with friends and family
- Manage group payments
- Integrated secure payment system
- Create pay events
- Setup recurring payments
- Setup ROSCA
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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.
Split With SquareUp
Effortlessly split bills by scanning receipts. Automatically itemize costs, assign them to individuals, and send personalized payment requests with one-tap links. Track shared expenses, manage recurring bills, and gain spending insights.
- Receipt scanning for automatic itemization
- Manual item assignment to individuals
- Proportional tax and tip division
- One-tap payment links (Venmo, PayPal, Cash App)
- Running balances and group management
- Recurring bill tracking
- Spending insights and export options
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SquareUp is the fastest way to split a bill the way it was actually ordered — not by dividing by four and hoping nobody notices. Point your camera at the receipt. SquareUp pulls every line item, tax, and tip. Tap who had what. Text everyone their own itemized total with a one-tap link to pay you back. No more screenshots, no more "I owe you around $20?", no more chasing people the week after. SquareUp is great for: -Dinners out with friends who all ordered different things -Roommates splitting groceries, utilities, and rent -Group trips where someone's been fronting everything -Couples who keep a running tab on shared costs -Coworkers on a regular lunch rotation Here's how it works: Scan a receipt and every item, tax, and tip gets parsed automatically -Tap items to assign them to people; shared stuff splits evenly across whoever had it -Tax and tip divide proportionally, so nobody overpays for the friend who got the lobster -Send everyone their share over iMessage with a Venmo, PayPal, or Cash App link pre-filled The people paying you back don't need to download anything. Their link opens in a browser with their personalized itemized total and payment buttons — tap, pay, done. Every feature you'd expect, and the ones you wouldn't: -Works on faded thermal receipts, handwritten tabs, and screenshots of delivery orders -Groups with running balances across every bill, simplified down to the fewest possible payments when you settle up -Friends list so you're not retyping names for the same dinner crew every week -Balance on the home tab — what you're owed, what you owe, across everything -Recurring bills for rent and subscriptions so they post themselves -Credit card rewards tracking so you know what card to put the group dinner on -Spending insights by person, group, and month -Export any bill or group to CSV or PDF for taxes -Home screen widgets for your balance at a glance -Guest mode — works without an account -Dark mode throughout SquareUp is free to start. Every premium feature is unlocked for your first two weeks, no payment info required. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Lovely Split at none against Split With SquareUp's 2. Lovely Split also leads on ratings volume (15 vs 2) and iOS requirement (13.4 vs 17.6). Split With SquareUp's advantage is update cadence (every 9 days vs every 5 weeks). 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
Both are free to download. Split With SquareUp sells 2 in-app purchases, starting at $2.99 per month. Lovely Split asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for Lovely Split against 5.0 for Split With SquareUp. That said, the two scores are not equally well evidenced: Lovely Split has 15 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.
Lovely Split ships an update every 5 weeks, Split With SquareUp every 9 days. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.
| Parameter | Lovely Split | Split With SquareUp |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (15 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 15 — better | 2 |
| Update frequency | Every 5 weeks | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.4 — better | 17.6 |
| Further details — not scored | ||
| Size | 12 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | Lovely Split, Inc. | Spencer Lerner |
Customer experience
Lovely Split
Split With SquareUp
In-app purchases
Lovely Split
No in-app purchases
Split With SquareUp
- SquareUp Premium1 Month trial$2.991 Month
- SquareUp Premium Lifetime$49.99
Questions
Is Lovely Split free?
Is Split With SquareUp free?
Which has better reviews, Lovely Split or Split With SquareUp?
Do Lovely Split or Split With SquareUp have ads?
Which is updated more often, Lovely Split or Split With SquareUp?
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