Comparison

Lovely Split vs Split With SquareUp

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

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.

Highlights
  • 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
Read full description

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

Lovely Split4 screens
Split With SquareUp3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

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 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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Lovely Split versus Split With SquareUp: the parameters behind the verdict, then further details
ParameterLovely SplitSplit With SquareUp
PriceFreeFree
Rating5.0 (15 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings15 — better2
Update frequencyEvery 5 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.4 — better17.6
Further details — not scored
Size12 MB11 MB
Age rating4+4+
DeveloperLovely Split, Inc.Spencer Lerner

Customer experience

Lovely Split

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

Split With SquareUp

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Lovely Split

No in-app purchases

2 purchases

Split With SquareUp

Subscriptions1
  • SquareUp Premium1 Month trial$2.991 Month
One-time1
  • SquareUp Premium Lifetime$49.99

Questions

Is Lovely Split free?
Lovely Split is free to download, with no in-app purchases.
Is Split With SquareUp free?
Split With SquareUp is free to download, with in-app purchases available.
Which has better reviews, Lovely Split or Split With SquareUp?
Lovely Split and Split With SquareUp are both rated 5.0 out of 5 on the App Store, from 15 and 2 ratings respectively.
Do Lovely Split or Split With SquareUp have ads?
Neither Lovely Split nor Split With SquareUp shows ads.
Which is updated more often, Lovely Split or Split With SquareUp?
Lovely Split ships an update every 5 weeks, and Split With SquareUp every 9 days. Most recently, Lovely Split was updated on October 24, 2026 and Split With SquareUp on October 8, 2026.

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