Chipp vs checkie
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
checkie
Effortlessly split group dining bills with AI-powered receipt scanning and one-tap item assignment. Organize friends and groups for easy expense tracking and transparent calculations.
- AI receipt scanning
- One-tap item assignment
- Friends and groups management
- Automatic tax and tip distribution
- Detailed expense breakdowns
- Bill history tracking
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Split bills fairly and effortlessly with checkmate – the smart way to handle group dining without the drama. AI-POWERED RECEIPT SCANNING Simply snap a photo of any receipt and watch our advanced AI instantly identify every food item and price. No more squinting at receipts or typing items manually. Our smart technology handles any restaurant format and automatically combines duplicate items like "Garlic Naan + Garlic Naan = 2 Garlic Naan." ONE-TAP PEOPLE ASSIGNMENT Add your friends' names, then just tap to assign items. Ordered the salmon? Tap your name. Sharing appetizers? Tap multiple people. It's that simple. For items with multiple quantities, use our advanced mode to assign exact amounts – perfect when someone had 3 tacos and someone else had 1. FRIENDS & GROUPS MADE EASY Create your account to unlock the full checkmate experience. Add friends once and they're always available for future bills. Create groups for your regular dining crews – your work lunch squad, college friends, or family gatherings. Assign entire bills to specific groups with just a few taps, making repeat group expenses effortless. Manage your profile and keep track of your dining history across all your groups. SMART CALCULATIONS checkmate handles all the complex math automatically: Splits shared items evenly among assigned people Distributes tax and tip proportionally Calculates exact amounts down to the penny Shows real-time totals as you assign items Provides detailed breakdowns of who owes what KEY FEATURES Quick start option – Jump right in or create an account for full features Friends management – Add friends once, use them everywhere Group creation – Organize your regular dining crews Manual entry option – Add items by hand if preferred Edit anything – Change names, prices, quantities anytime Duplicate detection – Automatically merges identical items Clean results – Clear breakdown of each person's share Bill history – Track expenses across all your groups PERFECT FOR Regular friend groups and their dining traditions Business lunch meetings with recurring attendees Family gatherings and special occasions Date nights with fair splitting Any shared meal or group expense WHY checkmate? Stop being the designated "math person" in your friend group. End awkward conversations about who ordered what. Never again deal with "just Venmo me $43.67" without knowing why. With friends and groups at your fingertips, checkmate makes bill splitting so easy and transparent that everyone leaves happy. Download checkmate today and make group dining stress-free. Because the only thing you should be splitting is the bill, not friendships.
Screenshots
Verdict
The clearest difference is rating: checkie at 5.0 against Chipp's 4.1. checkie also leads on review sentiment (100% vs 73%). Chipp's advantage is update cadence (every 10 days vs every 3 weeks). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
checkie holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 18 and 14 respectively. Written reviews point the same way: 73% of Chipp's written reviews are positive against 100% of checkie's.
Chipp ships an update every 10 days, checkie every 3 weeks. The most recent releases landed on October 24, 2026 and October 11, 2026 respectively.
| Parameter | Chipp | checkie |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (18 ratings) | 5.0 (14 ratings) — better |
| Positive reviews | 72.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 18 — better | 14 |
| Update frequency | Every 10 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 186 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | Chipp LLC | Checks Intel Inc |
Customer experience
Chipp
checkie
In-app purchases
Chipp
No in-app purchases
checkie
No in-app purchases









