# ChipInPool vs Hearth

The clearest difference is in-app purchases: ChipInPool at none against Hearth's 4. ChipInPool also leads on device support (3 vs 1) and iOS requirement (15.1 vs 26.4). Hearth's advantage is update cadence (every 2 days vs weekly). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Hearth sells 4 one-off in-app purchases. ChipInPool asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for ChipInPool against 5.0 for Hearth. Both are backed by a comparable volume of ratings — 4 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

ChipInPool ships an update weekly, Hearth every 2 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | ChipInPool | Hearth |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/chipinpool/id6741926843/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/hearth-bills-and-reminders/id6780245694/reviews) |
| Number of ratings | 4 | 4 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 2 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 44 MB | 22 MB |
| Requires iOS | **15.1** | 26.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Jordan Pollard](https://appshunter.io/developer/1141769853) | [GEORGE KEVIN SANCHEZ](https://appshunter.io/developer/6780245696) |

## What reviewers say

### ChipInPool

[App page](https://appshunter.io/ios/app/chipinpool/id6741926843)

Easily manage group finances for trips, gifts, or shared purchases. Create pools, invite friends, and track contributions. A virtual Visa card allows spending directly from your pool funds online or in-store.

**Highlights:** Pool funds for trips, events, and gifts, Virtual Visa card for spending, Pay Me Back links for easy collection, Spend Now Marketplace with discounts, Wallet and bank transfers, Smart auto-contributions, Real-time notifications

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

**In-app purchases:** none


### Hearth

[App page](https://appshunter.io/ios/app/hearth-bills-and-reminders/id6780245694)

Easily track shared expenses and know who owes what. Set up groups for households or trips, split bills evenly or custom amounts, and get reminders for due dates. See your remaining balance after bills are covered and quickly settle up with integrated payment handles.

**Highlights:** Shared bill tracking, Group creation, Customizable bill splitting, Due date reminders, Income tracking, Payment handle integration, Notification center

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Coffee Tip | $1.99 | one-time |
| Lunch Tip | $4.99 | one-time |
| Hearth Pro | $9.99 | one-time |
| Dinner Tip | $9.99 | one-time |


## Frequently asked questions

### Is ChipInPool free?

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

### Is Hearth free?

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

### Which has better reviews, ChipInPool or Hearth?

ChipInPool and Hearth are both rated 5.0 out of 5 on the App Store, from 4 and 4 ratings respectively.

### Do ChipInPool or Hearth have ads?

Neither ChipInPool nor Hearth shows ads.

### Which is updated more often, ChipInPool or Hearth?

ChipInPool ships an update weekly, and Hearth every 2 days. Most recently, ChipInPool was updated on October 30, 2026 and Hearth on October 31, 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.*