Comparison

Chipp vs Paid

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

Paid

Manage all your debts effortlessly with this intuitive application. It offers one-tap reminders to ensure you never miss a payment and an AI-powered receipt splitter for easy expense division.

Highlights
  • Intuitive debt tracking
  • One-tap payment reminders
  • AI Receipt Splitter
  • Individual and group debts
  • Recurring debt management
Features
Read full description

Paid is the ultimate debt management app. Track your debts and send reminders with one tap — You'll never lose out on a payment ever again. Also, our AI Receipt Splitter makes it easy to figure out who's paying what at the dinner table — tax, tip, and everything else are automatically calculated. Features: - Easy to use, intuitive interface - One-tap reminders - AI Receipt Splitter - Individual Debts - Group Debts - Recurring Debts - Paid Link (Find out more at trypaid.io) Contact us: benjaminsoo@ucsb.edu

Screenshots

Chipp4 screens
Paid4 screens

Verdict

The call

The clearest difference is rating: Paid at 5.0 against Chipp's 4.1. Chipp's advantage is ratings volume (18 vs 6). On price, update cadence, 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

Paid holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 18 and 6 respectively.

UpkeepUpdate frequency

Chipp ships an update every 10 days, Paid every 11 days. The most recent releases landed on October 24, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
Chipp versus Paid: the parameters behind the verdict, then further details
ParameterChippPaid
PriceFreeFree
Rating4.1 (18 ratings)5.0 (6 ratings) — better
Positive reviews72.7% of reviews—
Number of ratings18 — better6
Update frequencyEvery 10 days — betterEvery 11 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size186 MB40 MB
Age rating4+4+
DeveloperChipp LLCBenjamin Soo

Customer experience

Chipp

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

Paid

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Chipp

No in-app purchases

None

Paid

No in-app purchases

Questions

Is Chipp free?
Chipp is free to download, with no in-app purchases.
Is Paid free?
Paid is free to download, with no in-app purchases.
Which has better reviews, Chipp or Paid?
Paid is rated higher. Chipp averages 4.1 out of 5 from 18 ratings, while Paid averages 5.0 from 6 ratings.
Do Chipp or Paid have ads?
Neither Chipp nor Paid shows ads.
Which is updated more often, Chipp or Paid?
Chipp ships an update every 10 days, and Paid every 11 days. Most recently, Chipp was updated on October 24, 2026 and Paid on October 6, 2026.

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