Comparison

Split Flux vs SUSU Circles

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

Head to head
About

Split Flux

Easily track and split shared expenses with friends and roommates. Create groups, log bills, and see who owes whom with automated calculations and insightful spending reports. Keep finances transparent and friendships intact.

Highlights
  • Create and manage groups
  • Log expenses with payers and participants
  • Track who owes and is owed
  • Automated repayment calculations
  • Detailed spending reports and analytics
  • Simple and user-friendly interface
Features
Read full description

Split Flux keeps group expenses clean - and friendships cleaner. Create a group for the trip, the flat or the party. Log what you paid in three taps. Everyone sees the same expenses and the same balances, in their own currency. INVITE WITH ONE LINK Send a link or show a QR code - friends join in seconds and see everything live. No manual IDs, no setup. KNOW WHO OWES WHOM Balances per person, netted automatically. No more spreadsheet archaeology. SETTLE UP ACROSS CURRENCIES Pay in any currency with live mid-market rates. Both amounts are visible before you confirm. STAY IN THE LOOP One notification when something is added or settled. Nothing else - no marketing, no daily nudges. SEE WHERE THE MONEY WENT Monthly trends, categories, biggest expenses - across all your groups. FREE plan: 3 groups, unlimited expenses, all core features. PRO: unlimited groups, CSV export, advanced analytics, no ads. Free trial included. Terms of Use (EULA): https://docs.google.com/document/d/17OUdiqF9KLWc7lBSVdtJ8k6rGtjrf9w4lJ_m1irLvnc

About

SUSU Circles

This app facilitates community-based savings and crowdfunding. It allows users to create or join group savings circles where members contribute and one receives the full amount each cycle, or to crowdfund important life events with loved ones.

Highlights
  • Group savings circles
  • Crowdfunding for life events
  • Real-time contribution tracking
  • Secure payments via Stripe
  • Bank-level encryption
  • QR code sharing
Features
Read full description

SUSU is the modern way to save money and support your community. Two powerful features in one app: SUSU CIRCLES - Group Savings Based on the centuries-old tradition known worldwide as Susu, Tanda, Stokvel, Chit Fund, Hui, Kye, Paluwagan, and more. Whether you call it Susu (Ghana, Nigeria, Liberia), Tanda (Mexico), Stokvel (South Africa), Chit Fund (India), Hui (China), Kye (Korea), Paluwagan (Philippines), Equb (Ethiopia), Hagbad (Somalia), Arisan (Indonesia), Njangi (Cameroon), or Partner (Jamaica) - it's the same trusted system your community has used for generations. HOW CIRCLES WORK: * Create or join a savings circle with friends, family, or coworkers * Everyone contributes the same amount each cycle * One member receives the full pot each round * Or choose to cash out together at the end! FAMILY FUND - Crowdfunding Crowdfund life's most important moments with the people who matter most. PERFECT FOR: * Weddings & engagement parties * Funerals & memorial funds * Baby showers & graduations * Medical expenses & emergencies * Education funds * Community relief efforts HOW IT WORKS: * Create a fund in under 2 minutes * Share your beautiful fund page or QR code * Track contributions in real-time * Withdraw to your bank instantly WHY SUSU? * No bank fees or interest charges * Build savings discipline with your community * Trusted by cultures worldwide for generations * QR codes for easy sharing * Real-time tracking * Secure payments powered by Stripe * Bank-level encryption A GLOBAL TRADITION From Accra to Atlanta, Lagos to London, Manila to Minneapolis - SUSU connects communities worldwide. Join the millions who trust community-based savings. You might know Susu by another name in your community: Susu, sou-sou, su-su, osusu, asusu, esusu, isusu, èsúsú, Rotating Savings and Credit Association, ROSCA, tanda, tandas, hui, ajo, chama, tontine, stokvel, ekub, equb, ikub, hagbad, ayuuto, chilemba, njangi, ujangi, jangi, upato, adashi, adasse, ikilemba, likelemba, pardna, partner, partnerhand, pawdna, cundina, pandero, consorcio, san, sòl, min, box hand, throw a box, boxi money, cuchubál, pasanacu, junta, chit fund, chitty, committee, kameti, arisan, paluwagan, kye, gye, kutu, kootu, tanomoshiko, mujin, hội, hụi, dhikuti, dhukuti, gameya, jam'iyah, gün, dart, menage, menodge, roata, money pool, savings circle, lending circle, mutual aid, informal savings, community banking, merry-go-round, asue, meeting-turn, kistuna, bisi, vishi, djanggi, dhanda, pool, cycle, sheet, kasmonie, cadena, samity, main, seettuva, xitique, sanduq, lawm sum, turnohan, chaer, pia huey, len chaer, crowdfunding, family fund, rotating savings Download SUSU today!

Screenshots

Split Flux4 screens
SUSU Circles4 screens

Verdict

The call

The clearest difference is rating: SUSU Circles at 5.0 against Split Flux's 4.3. SUSU Circles also leads on in-app purchases (none vs 2) and ads (none vs shown). Split Flux's advantage is ratings volume (16 vs 1). On price and update cadence 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. Split Flux sells 2 in-app purchases, starting at $0.99 per 7 days. SUSU Circles asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

SUSU Circles holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Split Flux has 16 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Split Flux ships an update every 3 days, SUSU Circles every 4 days. The most recent releases landed on October 16, 2026 and October 5, 2026 respectively.

Scorecard7 real differences · 2 level
Split Flux versus SUSU Circles: the parameters behind the verdict, then further details
ParameterSplit FluxSUSU Circles
PriceFreeFree
Rating4.3 (16 ratings)5.0 (1 ratings) — better
Number of ratings16 — better1
Update frequencyEvery 3 days — betterEvery 4 days
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size19 MB116 MB
Age rating4+4+
DeveloperRoman SavenokNowLanguage LLC

Customer experience

Split Flux

All ratings16 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

SUSU Circles

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Split Flux

Subscriptions2
  • PRO Weekly$0.997 Days
  • PRO for a Month$2.991 Month
None

SUSU Circles

No in-app purchases

Questions

Is Split Flux free?
Split Flux is free to download, with in-app purchases available.
Is SUSU Circles free?
SUSU Circles is free to download, with no in-app purchases.
Which has better reviews, Split Flux or SUSU Circles?
SUSU Circles is rated higher. Split Flux averages 4.3 out of 5 from 16 ratings, while SUSU Circles averages 5.0 from 1 ratings.
Do Split Flux or SUSU Circles have ads?
Split Flux shows ads; SUSU Circles does not.
Which is updated more often, Split Flux or SUSU Circles?
Split Flux ships an update every 3 days, and SUSU Circles every 4 days. Most recently, Split Flux was updated on October 16, 2026 and SUSU Circles on October 5, 2026.

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