Comparison

Splitt vs Debt Ruthless

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
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

About

Debt Ruthless

Features
Read full description

Debt Ruthless is the group expense tracker that doesn't sugarcoat. Whether you're splitting a Berlin trip, sharing a London flat, or running a birthday party β€” log every expense, see who owes whom, and settle up cleanly. WHO IT'S FOR Roommates, travel groups, families, party hosts, friends lending money. Anyone who's tired of chasing money or guessing what they're owed. WHAT YOU CAN DO β€’ Create groups by type β€” Trip, Apartment, Party, Loan, Family β€” each with its own colour and category β€’ Add expenses with custom splits: equal, percentage, or fixed amounts per person β€’ Track loans separately with deadlines and partial repayments β€’ Multi-currency β€” log expenses in EUR, GBP, USD, PLN and more β€’ Settle debts via Venmo, Zelle, bank transfer, or any method you use β€” record settlements outside the app β€’ Group chat for coordinating who's paying for what β€’ Activity feed shows every change across your groups PRIVACY-FIRST Self-hosted backend in the EU. We don't sell your data. Receipt photos and avatars stored only as long as you keep them. GDPR-compliant by design. NOT A PAYMENT APP Debt Ruthless tracks balances and helps you coordinate. Actual payments happen outside the app β€” through your bank, Venmo, Zelle, or however you prefer. NO MERCY. ONLY FACTS. Money likes clear situations. So does this app.

Screenshots

Splitt4 screens
Debt Ruthless4 screens

Verdict

The call

The clearest difference is in-app purchases: Debt Ruthless at none against Splitt's 2. Debt Ruthless also leads on iOS requirement (16.4 vs 18.0). Splitt's advantage is update cadence (every 9 days vs every 3 weeks). On price, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Splitt sells 2 in-app purchases, starting at $2.99 per month. Debt Ruthless asks for nothing beyond the download.

UpkeepUpdate frequency

Splitt ships an update every 9 days, Debt Ruthless every 3 weeks. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

Scorecard3 real differences Β· 3 level
Splitt versus Debt Ruthless: the parameters behind the verdict, then further details
ParameterSplittDebt Ruthless
PriceFreeFree
Update frequencyEvery 9 days β€” betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo β€” better
DevicesiPhone, Apple WatchiPhone, iPad
Requires iOS18.016.4 β€” better
Further details β€” not scored
Size49 MB72 MB
Age rating4+9+
DeveloperUladzimir PryhazhanauMarcin Miazga

In-app purchases

2 purchases

Splitt

Subscriptions2
  • Splitt Pro Monthly7 Days trial$2.991 Month
  • Splitt Pro Annual7 Days trial$24.991 Year
None

Debt Ruthless

No in-app purchases

Questions

Is Splitt free?
Splitt is free to download, with in-app purchases available.
Is Debt Ruthless free?
Debt Ruthless is free to download, with no in-app purchases.
Do Splitt or Debt Ruthless have ads?
Neither Splitt nor Debt Ruthless shows ads.
Which is updated more often, Splitt or Debt Ruthless?
Splitt ships an update every 9 days, and Debt Ruthless every 3 weeks. Most recently, Splitt was updated on October 25, 2026 and Debt Ruthless on October 28, 2026.

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