Comparison

BillSplit vs Pay with Sublime

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

Head to head
About

BillSplit

Effortlessly track shared expenses and split bills among friends, family, or groups. This free app simplifies managing group spending for travel, dining, and household costs, allowing for flexible division and quick settlement.

Highlights
  • Free to use forever
  • Intuitive expense tracking
  • Flexible bill division
  • Instant settlement tracking
  • Organized group management
  • Multi-currency support
Features
Read full description

BillSplit is a free bill split and shared expense tracker for friends, roommates, couples, trips, and groups. Track who paid, split bills fairly, and settle up in seconds - no spreadsheets, no ads, no subscriptions. Whether it's rent, groceries, dinners, travel, vacations, parties, or any group expense, BillSplit keeps everyone's balances clear. Create a group, add an expense, pick how to split it, and you're done. WHY BILLSPLIT - Free forever — every feature, no hidden fees or subscriptions - Clean, simple design anyone can use instantly - No ads, ever SPLIT BILLS YOUR WAY - Split equally - Split by exact amount - Split by percentage - Split by shares - Factor in tax and tips TRACK SHARED EXPENSES - See who paid and who owes what at a glance - Full payment and expense history - Settle balances with a single tap BUILT FOR GROUPS - Create trip, home, event, and general groups - Invite friends with a simple group code - Manage expenses across multiple currencies PERFECT FOR - Roommates splitting rent and utilities - Trips and vacations with friends - Couples managing shared costs - Group dinners, parties, and events If you need an expense splitter for roommates, a trip cost tracker, or a settle-up app for friends, BillSplit gives you a simple, fair way to manage shared bills and group spending. Download BillSplit and split bills the easy way.

About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

Screenshots

BillSplit4 screens
Pay with Sublime4 screens

Verdict

The call

The clearest difference is update cadence: Pay with Sublime at every 9 days against BillSplit's every 5 weeks. BillSplit's advantage is review sentiment (100% vs 86%) and iOS requirement (15.1 vs 18.5). On price, ads, in-app purchases and monetization model 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.

UpkeepUpdate frequency

BillSplit ships an update every 5 weeks, Pay with Sublime every 9 days. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
BillSplit versus Pay with Sublime: the parameters behind the verdict, then further details
ParameterBillSplitPay with Sublime
PriceFreeFree
Rating—4.7 (225 ratings) — better
Positive reviews100.0% of reviews — better85.7% of reviews
Number of ratings—225 — better
Update frequencyEvery 5 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better18.5
Further details — not scored
Size38 MB61 MB
Age rating4+17+
DeveloperRitesh Kumar YadavSublime Payments Company

Customer experience

BillSplit

Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Pay with Sublime

All ratings157 ratings
Positive92.4%
Neutral1.9%
Negative5.7%
Written reviews14 reviews
Positive85.7%
Neutral0.0%
Negative14.3%

In-app purchases

None

BillSplit

No in-app purchases

None

Pay with Sublime

No in-app purchases

Questions

Is BillSplit free?
BillSplit is free to download, with no in-app purchases.
Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Do BillSplit or Pay with Sublime have ads?
Neither BillSplit nor Pay with Sublime shows ads.
Which is updated more often, BillSplit or Pay with Sublime?
BillSplit ships an update every 5 weeks, and Pay with Sublime every 9 days. Most recently, BillSplit was updated on October 20, 2026 and Pay with Sublime on October 25, 2026.

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