Comparison

Chipp vs Kittysplit

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

Kittysplit

Easily track and settle shared expenses for trips, households, or groups. No registration or app installation needed for friends. Calculates who owes what and the simplest way to settle debts.

Highlights
  • No registration required
  • Works in any browser
  • Calculates easiest settlement
  • Assign categories to expenses
  • Export to spreadsheet
  • Split equally or unequally
  • Attach photos to expenses
Read full description

Kittysplit is the easiest way to share bills and split costs with friends. Period. It's the simplest way to calculate who owes what in group trips, vacations and travel expenses, and for tracking shared finances for couples, households and families. No registration, no account or password required, no expense limits, no nonsense. Your friends can simply open the unique event link - Kittysplit also works without an app in any browser! Kittysplit will always be free for a basic event. How it works: - Create a Kitty by specifying the name of the event or group and your names - You don't need to give us any data, your friends don't need to have the app installed - Share the unique Kitty link with your friends, so they can participate add their own expenses - Add your expenses, Kittysplit tells you immediately who owes what and how to settle up - That's it, you're done! Kittysplit is great for: - Group vacations and weekend trips - Traveling with friends around the world - Weddings and bachelor/bachelorette parties - Family vacations - Spring break and music festivals - Couples or housemates splitting their bills - Lunch groups between co-workers - IOUs and keeping track of debts between friends - And much more Here are some of our awesome features: - Open Kitties on any device even without installed app simply by web link - Kittysplit always calculates the easiest and quickest way to settle all debts - Assign a category to each expense and filter your expense list accordingly - Export to a Spreadsheet - Split expenses equally or unequally by weight/shares or individual amount - View history of all changes to a Kitty - Friendliest customer support - Much more coming soon - always free for basic events! Super Kitty features: - Attach photos to expenses e.g. a bill - Add expenses in any foreign currency (automatic conversion in 120+ currencies) - Default shares (useful for grouped participants) - Read-only access - much more coming soon

Screenshots

Chipp4 screens
Kittysplit4 screens

Verdict

The call

The clearest difference is rating: Kittysplit at 5.0 against Chipp's 4.1. Kittysplit also leads on review sentiment (100% vs 73%) and ratings volume (106 vs 18). Chipp's advantage is in-app purchases (none vs 1) and update cadence (every 10 days vs every 3 weeks). 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. Kittysplit sells 1 one-off in-app purchase. Chipp asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Kittysplit holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Kittysplit has 106 ratings behind it against 18, so its average is the more settled of the two. Written reviews point the same way: 73% of Chipp's written reviews are positive against 100% of Kittysplit's.

UpkeepUpdate frequency

Chipp ships an update every 10 days, Kittysplit every 3 weeks. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard6 real differences · 4 level
Chipp versus Kittysplit: the parameters behind the verdict, then further details
ParameterChippKittysplit
PriceFreeFree
Rating4.1 (18 ratings)5.0 (106 ratings) — better
Positive reviews72.7% of reviews100.0% of reviews — better
Number of ratings18106 — better
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.5
Further details — not scored
Size186 MB74 MB
Age rating4+4+
DeveloperChipp LLCKittysplit UG (haftungsbeschränkt)

Customer experience

Chipp

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

Kittysplit

All ratings101 ratings
Positive99.0%
Neutral0.0%
Negative1.0%
Written reviews18 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Chipp

No in-app purchases

1 purchases

Kittysplit

One-time1
  • Super Kitty Upgrade$2.99

Questions

Is Chipp free?
Chipp is free to download, with no in-app purchases.
Is Kittysplit free?
Kittysplit is free to download, with in-app purchases available.
Which has better reviews, Chipp or Kittysplit?
Kittysplit is rated higher. Chipp averages 4.1 out of 5 from 18 ratings, while Kittysplit averages 5.0 from 106 ratings.
Do Chipp or Kittysplit have ads?
Neither Chipp nor Kittysplit shows ads.
Which is updated more often, Chipp or Kittysplit?
Chipp ships an update every 10 days, and Kittysplit every 3 weeks. Most recently, Chipp was updated on October 24, 2026 and Kittysplit on October 30, 2026.

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