Comparison

BillSplit vs Setto

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

Head to head
About

BillSplit

Features
Read full description

BillSplit simplifies group dining by letting you fairly split the bill in seconds. Whether you're out with friends or dining with coworkers, just snap a photo of the receipt and let the app do the rest. Using smart AI technology, BillSplit detects all items on the bill, including names, prices, and quantities. You can assign items to individuals, and the app instantly calculates how much each person owes. Each AI scan costs 1 credit. New users start with 3 free credits to try out the core functionality. You can purchase more credits through in-app purchases whenever needed. Features: AI Receipt Scanning: Take a photo of your restaurant bill and let the app automatically extract all items, prices, and quantities. Item Assignment: Assign specific items to each person. Works even if items are shared or ordered in different quantities. Flexible Splitting Methods: Supports individual assignment, equal split, percentage-based, ratio-based, and custom amount splitting. Real-Time Calculation: Instantly see how much each person owes. Manual Entry Option: You can also manually enter a bill if you prefer not to use the camera. Offline Use: Manual bill entry and assignment work offline. Multi-language: Available in 12 languages including Turkish, English, German, Japanese & more. Dark Mode: Fully supported for better visibility and comfort. BillSplit is designed to make splitting expenses as effortless and fair as possible. Whether you're splitting lunch with friends or tracking shared costs, it's as easy as scan, assign, and pay. By using this app, you agree to our End-User License Agreement (EULA), which outlines your rights and responsibilities as a user. Privacy Policy: https://oguzyildiz.com/apps/billsplit/privacy/ Terms of Use (EULA): https://oguzyildiz.com/apps/billsplit/terms-use/

About

Setto

Features
Read full description

Split expenses with friends, roommates, and travel groups — without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO • Apple Watch: log expenses and check balances from your wrist • Split any way: equal, percentage, exact amounts, or custom shares • Smart debt simplification across all your groups • AI entry: type naturally or use voice (“dinner 40 with Sam”) • On-device receipt scan — merchant and amount, privately on your phone • Nudge friends politely when something’s still open • Real-time activity feed for expenses, edits, and settlements • Cross-group balances so you always know the full picture • Offline-ready — add and view expenses, sync when you’re back • Reports: monthly charts, categories, PDF/CSV export • Trip mode: budgets, default splits, multi-currency • Recurring expenses for rent, subscriptions, and regular bills • Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.

Screenshots

BillSplit3 screens
Setto4 screens

Verdict

The call

The clearest difference is in-app purchases: Setto at none against BillSplit's 5. Setto also leads on update cadence (daily vs every 3 days) and device support (4 vs 1). On price and ads 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. BillSplit sells 5 one-off in-app purchases. Setto asks for nothing beyond the download.

UpkeepUpdate frequency

BillSplit ships an update every 3 days, Setto daily. The most recent releases landed on October 5, 2026 and October 9, 2026 respectively.

Scorecard4 real differences · 2 level
BillSplit versus Setto: the parameters behind the verdict, then further details
ParameterBillSplitSetto
PriceFreeFree
Update frequencyEvery 3 daysDaily — better
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhoneiPhone, iPad, iPod, Apple Watch — better
Requires iOS17.615.5 — better
Further details — not scored
Size27 MB150 MB
Age rating4+4+
DeveloperOguz YILDIZArun Dhaduti

In-app purchases

5 purchases

BillSplit

One-time5
  • 5 Credits Pack$1.99
  • 100 Credits Pack$2.99
  • 20 Scan Credits$4.99
Show 2 more
  • 500 Credits Pack$9.99
  • 1000 Credits Pack$24.99
None

Setto

No in-app purchases

Questions

Is BillSplit free?
BillSplit is free to download, with in-app purchases available.
Is Setto free?
Setto is free to download, with no in-app purchases.
Do BillSplit or Setto have ads?
Neither BillSplit nor Setto shows ads.
Which is updated more often, BillSplit or Setto?
BillSplit ships an update every 3 days, and Setto daily. Most recently, BillSplit was updated on October 5, 2026 and Setto on October 9, 2026.

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