Comparison

Chipp vs Splitt

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

Splitt

Features
Read full description

Splitt is the most easy and smart way to manage and share your expenses with friends or family. It makes tracking group expenses and settling up effortless. Whether it’s a weekend getaway, a night out, or everyday shared costs, Splitt keeps everything fair, fast, and easy. Key features: - Split costs equally, manually or by percent - Create and manage expenses within groups - Track who paid and who owes by recording you payments - Use local contacts to track expenses privately by yourself - Settle up your balance with friend or family member in one tap - Cloud-based storage keeps your data synced, safe and always available And many more features coming soon Designed for speed and clarity, Splitt is a powerful app that keeps your finances organized without getting in the way. Wherever you are, Splitt is always available - even offline. You can log your expenses without an internet connection. All data is stored securely on your device, and once you’re back online, everything is automatically synced to the cloud. Nothing gets lost. Our smart cross-currency system lets you record expenses in over 40 popular currencies (and growing). No matter what currency is used, your balances are automatically converted to your base currency using up-to-date exchange rates - so you’ll always know exactly who owes what. Splitt is Ideal for: - Friends splitting bills - Couples managing shared expenses - Roommates tracking household costs - Travel groups organizing trip budgets - Festivals or group events with shared spending - Managing personal expenses, debts, or loans - And many other situations Terms of Use: https://splitt.cash/terms-of-use Privacy Policy: https://splitt.cash/privacy-policy

Screenshots

Chipp4 screens
Splitt4 screens

Verdict

The call

The clearest difference is in-app purchases: Chipp at none against Splitt's 2. Chipp also leads on iOS requirement (14.0 vs 18.0). On price, update cadence, 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. Splitt sells 2 in-app purchases, starting at $2.99 per month. Chipp asks for nothing beyond the download.

UpkeepUpdate frequency

Chipp ships an update every 10 days, Splitt every 9 days. The most recent releases landed on October 19, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
Chipp versus Splitt: the parameters behind the verdict, then further details
ParameterChippSplitt
PriceFreeFree
Rating4.1 (18 ratings) — better—
Positive reviews72.7% of reviews—
Number of ratings18 — better—
Update frequencyEvery 10 daysEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, Apple Watch
Requires iOS14.0 — better18.0
Further details — not scored
Size186 MB49 MB
Age rating4+4+
DeveloperChipp LLCUladzimir Pryhazhanau

In-app purchases

None

Chipp

No in-app purchases

2 purchases

Splitt

Subscriptions2
  • Splitt Pro Monthly7 Days trial$2.991 Month
  • Splitt Pro Annual7 Days trial$24.991 Year

Questions

Is Chipp free?
Chipp is free to download, with no in-app purchases.
Is Splitt free?
Splitt is free to download, with in-app purchases available.
Do Chipp or Splitt have ads?
Neither Chipp nor Splitt shows ads.
Which is updated more often, Chipp or Splitt?
Chipp ships an update every 10 days, and Splitt every 9 days. Most recently, Chipp was updated on October 19, 2026 and Splitt on October 10, 2026.

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