Comparison

SplitX vs Waterfall

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

Head to head
About

SplitX

Features
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SplitX is the smartest and easiest way to split bills, share expenses, and track costs with your friends, family, or roommates. Say goodbye to the math and the awkward "who owes who" conversations! Whether you are planning a group trip, splitting the dinner check, or managing household expenses with roommates, splitX keeps all your shared costs perfectly organized in one beautiful app. Why you'll love splitX: Effortless Bill Splitting: Add expenses in seconds and let splitX calculate exactly who owes what. Beautiful New Design: Enjoy a completely redesigned, user-friendly interface that makes managing money a breeze. Flexible Splitting Options: Split costs evenly, by exact amounts, or by percentages. Settle Up Easily: Keep a clear record of balances so everyone knows when it's time to pay up. Perfect for Any Occasion: Ideal for travel, dining out, shared apartments, couples, and more. Stop stressing over shared expenses. Download splitX today and keep your friendships focused on fun, not finances!

About

Waterfall

Features
Read full description

WATERFALL โ€” SEE WHERE YOUR MONEY GOES Budgeting shouldn't feel like homework. Waterfall shows your finances the way water flows โ€” income pours in from the top, expenses branch out below. One look and you instantly know where every dollar went. No charts to decode. No spreadsheets to maintain. Just a beautiful, flowing picture of your money. โ— WHY PEOPLE LOVE WATERFALL "Finally, a budget app I actually understand." โ€” That's what we hear most. Other apps give you pie charts and bar graphs. Waterfall gives you something better: clarity. โ†’ Income flows in from the TOP as a single stream โ†’ Expenses branch DOWNWARD like a waterfall โ†’ Thick branches = heavy spending โ†’ Thin branches = light spending โ†’ The pool at the bottom = your remaining savings It's budgeting you can feel, not just read. โ— RIDICULOUSLY FAST Adding an expense takes 2 seconds: 1. Tap + 2. Enter amount 3. Pick category That's it. No forms, no mandatory notes, no friction. We designed every pixel so your thumb does the work. โ— FEATURES YOU'LL ACTUALLY USE โ—† Waterfall Visualization Animated money flow with smooth transitions. Tap any branch to drill into transaction details. Watch your savings pool grow (or shrink) in real time. โ—† Recurring Bills & Income Rent, subscriptions, salary โ€” set them once to repeat daily, weekly, monthly, or yearly. Waterfall adds them automatically so nothing slips through. โ—† Smart Calendar See your spending by day. Darker dots = bigger spending days. Tap any date to see exactly what you bought. โ—† Searchable History Find that one transaction from three weeks ago in seconds. No endless scrolling. โ—† Custom Categories Food, Transport, Bills, Shopping, Entertainment, Health โ€” all built in. Add your own with custom icons and colors. โ—† Monthly Comparison Swipe between months. See if you're spending more or less than last month. No complex reports needed. โ—† Daily Reminder An optional gentle evening nudge to log your day. Habits beat willpower. โ—† Speaks Your Language 50 languages and 100+ currencies. Waterfall works the way you do, wherever you are. โ— YOUR PRIVACY IS SACRED All data lives on YOUR device. No account required. No bank login. No cloud. We literally cannot see your financial data โ€” by design. โ— FREE FIRST, PREMIUM OPTIONAL Almost everything in Waterfall is free. Premium supports development and unlocks: โ€ข No ads โ€” ever โ€ข Unlimited custom categories โ€ข Export to PDF & Excel Flexible monthly or annual plans โ€” go annual and save 45%. โ— BUILT FOR REAL PEOPLE Waterfall isn't for accountants or finance nerds. It's for: โ€ข You, if you've tried budgeting and quit โ€ข You, if pie charts make your eyes glaze over โ€ข You, if you just want to know "where did my money go?" โ€ข You, if you need something that takes seconds, not minutes Download Waterfall and finally see where your money goes โ€” beautifully. SUBSCRIPTIONS This app offers auto-renewable subscriptions. - Payment will be charged to your Apple ID account at confirmation of purchase. - Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. - Your account will be charged for renewal within 24 hours prior to the end of the current period. - You can manage or cancel your subscription in your Apple ID account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SplitX4 screens
Waterfall4 screens

Verdict

The call

The clearest difference is ads: SplitX at none against Waterfall's shown. SplitX also leads on update cadence (monthly vs every 5 months). Waterfall's advantage is iOS requirement (13.0 vs 15.6). On price, in-app purchases and device support there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SplitX ships an update monthly, Waterfall every 5 months. The most recent releases landed on October 1, 2026 and October 12, 2026 respectively.

Scorecard3 real differences ยท 3 level
SplitX versus Waterfall: the parameters behind the verdict, then further details
ParameterSplitXWaterfall
PriceFreeFree
Update frequencyMonthly โ€” betterEvery 5 months
AdsNo โ€” betterYes
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.0 โ€” better
Further details โ€” not scored
Size83 MB38 MB
Age rating4+4+
DeveloperVaibhav VishalHafid Zaini

In-app purchases

None

SplitX

No in-app purchases

None

Waterfall

No in-app purchases

Questions

Is SplitX free?
SplitX is free to download, with no in-app purchases.
Is Waterfall free?
Waterfall is free to download, with no in-app purchases.
Do SplitX or Waterfall have ads?
Waterfall shows ads; SplitX does not.
Which is updated more often, SplitX or Waterfall?
SplitX ships an update monthly, and Waterfall every 5 months. Most recently, SplitX was updated on October 1, 2026 and Waterfall on October 12, 2026.

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