# Monyo vs Insider AI

The clearest difference is in-app purchases: Insider AI at none against Monyo's 5. Insider AI also leads on ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Monyo sells 5 in-app purchases, starting at $2.99 per month. Insider AI asks for nothing beyond the download.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 2, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Monyo | Insider AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/monyo-ai-bill-split/id6740188388/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 85.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | — |
| Size | 155 MB | 86 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [ORTHIAN COMPANY LIMITED](https://appshunter.io/developer/1683785571) | [HORSE AI TECHNOLOGY JOINT STOCK COMPANY](https://appshunter.io/developer/1870327900) |

## What reviewers say

### Monyo

[App page](https://appshunter.io/ios/app/monyo-ai-bill-split/id6740188388)

Effortlessly divide group expenses with AI-powered technology. This app simplifies tracking who owes what for shared costs like dinners or trips, offering flexible splitting methods and reminders.

**Highlights:** AI-powered bill splitting, Split by item or percentage, Add notes and receipts, Set payment reminders, User-friendly interface

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monyo Plus Monthly | $2.99 | per month |
| Monyo Plus Yearly – Best Deal | $24.99 | per year |
| 999 YO Points | $0.99 | one-time |
| 1999 YO Points | $1.99 | one-time |
| 2999 YO Points | $2.99 | one-time |


### Insider AI

[App page](https://appshunter.io/ios/app/insider-ai/id6758019554)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Monyo free?

Monyo is free to download, with in-app purchases available.

### Is Insider AI free?

Insider AI is free to download, with no in-app purchases.

### Do Monyo or Insider AI have ads?

Monyo shows ads; Insider AI does not.

### Which is updated more often, Monyo or Insider AI?

Monyo ships an update weekly, and Insider AI weekly. Most recently, Monyo was updated on October 2, 2026 and Insider AI on October 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*