Comparison

Chipp vs Split

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

Split

Effortlessly divide shared expenses by scanning receipts. Assign items to individuals, automatically calculate tax and tip, and track all your splits. Ideal for roommates, friends, and group travel.

Highlights
  • Instant receipt scanning with AI
  • Item-by-item assignment
  • Automatic tax and tip calculation
  • Split history tracking
  • No signup required
  • Ad-free and no in-app purchases
Features
Read full description

Split - Receipt Scanner makes dividing bills fair and simple. SCAN & SPLIT IN SECONDS Just snap a photo of your receipt and our smart scanner identifies all items automatically. No more manual entry or confusion about what's what. FAIR DIVISION Assign items to the right people with a simple tap. Only pay for what you ordered, including a fair share of the tax and tip. EASY TRACKING Keep a history of all your splits so everyone knows who paid what. Perfect for roommates, friends, couples, and group trips. SIMPLE FEATURES: • Instant receipt scanning with AI recognition • Item-by-item assignment to different people • Automatic tax and tip calculation • Clean, intuitive interface • No signup or account required • No ads or in-app purchases Never argue about bills again. Download Split - Receipt Scanner and make shared expenses stress-free.

Screenshots

Chipp4 screens
Split4 screens

Verdict

The call

The clearest difference is rating: Split at 5.0 against Chipp's 4.1. Split also leads on review sentiment (100% vs 73%) and update cadence (every 3 days vs every 10 days). On price, ratings volume, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Split holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 18 and 7 respectively. Written reviews point the same way: 73% of Chipp's written reviews are positive against 100% of Split's.

UpkeepUpdate frequency

Chipp ships an update every 10 days, Split every 3 days. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
Chipp versus Split: the parameters behind the verdict, then further details
ParameterChippSplit
PriceFreeFree
Rating4.1 (18 ratings)5.0 (7 ratings) — better
Positive reviews72.7% of reviews100.0% of reviews — better
Number of ratings18 — better7
Update frequencyEvery 10 daysEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size186 MB25 MB
Age rating4+4+
DeveloperChipp LLCMatthew James Neto

Customer experience

Chipp

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

Split

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Chipp

No in-app purchases

None

Split

No in-app purchases

Questions

Is Chipp free?
Chipp is free to download, with no in-app purchases.
Is Split free?
Split is free to download, with no in-app purchases.
Which has better reviews, Chipp or Split?
Split is rated higher. Chipp averages 4.1 out of 5 from 18 ratings, while Split averages 5.0 from 7 ratings.
Do Chipp or Split have ads?
Neither Chipp nor Split shows ads.
Which is updated more often, Chipp or Split?
Chipp ships an update every 10 days, and Split every 3 days. Most recently, Chipp was updated on October 24, 2026 and Split on October 24, 2026.

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