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 the fastest way to split bills, scan receipts, and get paid back. Send an expense by chat, voice note, or photo and Chipp does the math, tracks who owes who, and settles everyone up with one swipe. SPLIT BILLS BY CHAT, VOICE OR PHOTO Type it, say it, or snap it. Dinner, rent, tickets, groceries: Chipp turns any message into a tracked expense and splits it fairly in seconds. Equal, unequal, by shares or by item. SCAN RECEIPTS, PAY ONLY FOR WHAT YOU HAD Scan the bill, then just say who had what. Chipp reads every line, splits tax and tip, and shares a link so friends can claim their items and pay you back, even without the app. GROUPS FOR TRIPS, ROOMMATES AND COUPLES Make a room for every crew: feed, chat, and balances in one place, with Chipp AI right in the thread. Add expenses as you go and Chipp keeps a running tally of who owes whom. GET PAID BACK WITHOUT ASKING TWICE Smart nudges remind friends for you. Settle several people at once and watch balances hit zero in a single swipe. PAY THE WAY YOUR CREW PAYS Settle over Venmo, Cash App, Zelle, PayPal, UPI, Pix, PayNow and more. Chipp opens the right app pre-filled and records the payment. Or pay in-app with your Chipp balance and let friends cash out to their bank. MONEY POOLS FOR ANYTHING Collect for a gift, a trip, or rent. Set a goal, share one link, and anyone can chip in. Watch the pool fill up in real time. ALL YOUR MONEY, IN ONE CHAT Securely link your banks and cards, then ask Chipp anything: this month's spending, rising subscriptions, upcoming bills, or where your money went. Clear answers with beautiful charts, instantly. TAP ANY TRANSACTION TO SPLIT See a card charge you shared? Tap it to split with friends or add it to a group. No retyping amounts, ever. PRIVATE AND SECURE Bank connections use trusted, read-only access. Lock the app with Face ID. Chipp never sells your data, and nothing moves without your approval. CHIPP+ AND CHIPP CIRCLE Chipp is free to use. Chipp+ unlocks unlimited receipt scans, unlimited Chipp AI, repeating expenses and linked accounts. Chipp Circle extends everything to every member of the groups you own. Monthly and yearly plans are available, with a free trial on the yearly Circle plan. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and are managed in your App Store account settings. Terms: https://chipp.it/terms-and-conditions/ Privacy: https://chipp.it/privacy-policy.html Download Chipp and make your next group expense the easiest one yet.

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 in-app purchases: Chipp at none against Spending Tracker's 4. Chipp also leads on rating (4.1 vs 3.7) and ratings volume (18 vs 3). Spending Tracker's advantage is update cadence (every 5 days vs every 10 days). On price, ads, device support and iOS requirement 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, 4.1 against 3.7. That said, the two scores are not equally well evidenced: Chipp has 18 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Chipp ships an update every 10 days, Spending Tracker every 5 days. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
Chipp versus Spending Tracker: the parameters behind the verdict, then further details
ParameterChippSpending Tracker
PriceFreeFree
Rating4.1 (18 ratings) — better3.7 (3 ratings)
Positive reviews72.7% of reviews—
Number of ratings18 — better3
Update frequencyEvery 10 daysEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size186 MB37 MB
Age rating4+4+
DeveloperChipp LLCJeffrey Kehler

Customer experience

Chipp

All ratings18 ratings
Positive77.8%
Neutral0.0%
Negative22.2%
Written reviews11 reviews
Positive72.7%
Neutral0.0%
Negative27.3%

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 4.1 out of 5 from 18 ratings, while Spending Tracker averages 3.7 from 3 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 every 10 days, and Spending Tracker every 5 days. Most recently, Chipp was updated on October 24, 2026 and Spending Tracker on October 24, 2026.

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