Comparison

Chipp vs Spending Tracker

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

Head to head
About

Chipp

Effortlessly track, split, and settle group expenses with a lightning-fast interface. Manage shared living costs, travel bills, and dinner receipts with ease. Settle up instantly with friends, all within one convenient app.

Highlights
  • Tap-to-split interface
  • Find friends nearby
  • Create shared expense groups
  • Split rent and utilities
  • Manage travel expenses
  • Scan receipts for dinner bills
  • Handle partial splits
Features
Read full description

Chipp is a lightning-fast way to split and settle group expenses effortlessly. With its unique tap-to-split interface and the ability to find friends nearby, settling share expenses is effortless. Whether you're splitting rent, dining out, or managing small purchases with friends, track what’s owed, see who owes whom, and pay back instantly—all with just one swipe. GROUP EXPENSE APP MADE SIMPLE Create and manage shared expense groups for any situation—whether it's a weekend getaway, a shared apartment, or a birthday dinner. Easily track bills and expenses and settle up in real time, all in one place. SPLIT RENT WITH ROOMMATES Avoid awkward convos about utilities, Wi-Fi, or groceries. Chipp makes it easy to manage recurring rent splits and shared living costs with roommates, so everyone pays their fair share—no chasing needed. TRAVEL EXPENSE SHARING FOR FRIEND GROUPS Plan your next group trip without worrying about the money. Chipp lets you log expenses as you go and settle everything up with one swipe at the end of the vacation. No more spreadsheets or payment confusion. DINNER BILL SPLITTING WITHOUT THE MATH Out to eat with a group? Scan the receipt, split items or total evenly or unequally, and settle instantly. No more guesswork, mental math, or awkward waiting for your friends to pay you back. SHARED SUBSCRIPTION EXPENSE MANAGER Easily track and divide monthly charges for shared subscriptions like Netflix, Spotify, YouTube Premium, or HBO. Chipp helps keep shared entertainment budgets clean and clear. HANDLE PARTIAL SPLITS IN GROUP EXPENSES Custom-split every expense based on who paid and who participated. You can split by percentage, share, or amount—ideal for when one friend joins late or skips a round.

About

Spending Tracker

Easily track expenses, split bills, and manage money with others. Features AI receipt scanning, voice input, and customizable tracking spaces for personal or shared finances. Get real-time budget updates and spending analytics.

Highlights
  • AI receipt scanning
  • Voice transaction input
  • Customizable tracking spaces
  • Expense splitting
  • Real-time budget updates
  • Spending analytics
Features
Read full description

Budget Ally: Track & Share Expenses Effortlessly Split bills, track spending, and manage money with anyone - partners, family, or friends. Key Features: • Scan receipts using AI • Input transactions using your voice • Create custom tracking spaces for different needs (personal, shared, travel) • Split expenses and track who paid what • Real-time budget updates and spending analytics • Dark & light mode • Customizable categories with icons Perfect for: • Couples sharing household expenses • Roommates splitting bills • Family budgeting • Travel expenses with friends • Personal finance tracking Download now and take control of your finances!

Screenshots

Chipp4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is rating: Chipp at 4.4 against Spending Tracker's 3.0. Chipp also leads on in-app purchases (none vs 4) and ratings volume (16 vs 2). Spending Tracker's advantage is update cadence (every 5 days vs fortnightly). 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. Spending Tracker sells 4 in-app purchases, starting at $2.99 per month. Chipp asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Chipp holds the better App Store score, 4.4 against 3.0. That said, the two scores are not equally well evidenced: Chipp has 16 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Chipp ships an update fortnightly, Spending Tracker every 5 days. Both last shipped on June 11, 2026.

Scorecard6 real differences · 4 level
Chipp versus Spending Tracker: the parameters behind the verdict, then further details
ParameterChippSpending Tracker
PriceFreeFree
Rating4.4 (16 ratings) — better3.0 (2 ratings)
Positive reviews77.8% of reviews—
Number of ratings16 — better2
Update frequencyFortnightlyEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size116 MB37 MB
Age rating4+4+
DeveloperChipp LLCJeffrey Kehler

Customer experience

Chipp

All ratings16 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

Spending Tracker

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Chipp

No in-app purchases

4 purchases

Spending Tracker

Subscriptions2
  • Premium (Monthly)7 Days trial$2.991 Month
  • Premium (Annual)7 Days trial$24.991 Year
One-time2
  • Premium (Limited time offer)Free
  • Premium (Lifetime)$59.99

Questions

Is Chipp free?
Chipp is free to download, with no in-app purchases.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Chipp or Spending Tracker?
Chipp is rated higher. Chipp averages 4.4 out of 5 from 16 ratings, while Spending Tracker averages 3.0 from 2 ratings.
Do Chipp or Spending Tracker have ads?
Neither Chipp nor Spending Tracker shows ads.
Which is updated more often, Chipp or Spending Tracker?
Chipp ships an update fortnightly, and Spending Tracker every 5 days. Most recently, Chipp was updated on June 11, 2026 and Spending Tracker on June 11, 2026.

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