Comparison

WhoPays AI vs SplitUp

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

Head to head
About

WhoPays AI

Effortlessly manage shared expenses with friends, roommates, or travel groups. Features AI-powered receipt scanning and voice input to simplify tracking, calculating balances, and settling debts transparently.

Highlights
  • Group and participant management
  • Flexible expense splitting
  • AI receipt scanning
  • AI voice input for expenses
  • Real-time balances
  • Cross-platform sync
  • Multi-currency support
Features
Read full description

WhoPays makes sharing money with friends, roommates, couples, or travel groups effortless and fair. Whether it’s a weekend trip, household costs, dinner, or any shared expense—stop doing mental math and let WhoPays handle the rest. Key Features: - Group & Participant Management: Create groups for trips, apartments, events, or couples. Invite others via link or email and manage members easily. - Flexible Expense Tracking: Add, edit, and delete expenses with descriptions, receipts/photos, and notes. Split equally, by share, percentage, or custom amounts. - Currencies Support: Use 150+ currencies. Set a group currency and create expenses, view balances, and settle up in any currency. - AI Receipt Scanner: Snap a photo of a receipt and automatically capture line items and currency. - AI Assistant: Record a voice message and let WhoPays recognize the category, name, date, currency, payer, and each participant’s amounts. - Real-Time Balances: See who owes whom instantly; balances update across devices so everyone stays in sync. - Settle Up Smoothly: Mark payments, settle debts, and close out balances with clarity—no more awkward IOUs. - Detailed Summary & Reports: Categorize expenses, view totals per person or category, and get clear breakdowns so you know where the money went. - Detailed History: View a clear history of all expenses, edits, and settlements for each group so you always know who added what and when. - Invite & Share: Share the group with friends via a link; join with minimal friction. - Cross-Platform Sync: Use WhoPays on iOS and web - everything stays consistent whether you’re on your phone or desktop. - Notifications: Remind group members about unsettled balances or new expenses. - Attachments: Attach photos or files to expenses (e.g., receipts) for transparency. Why WhoPays? No more guessing, awkward paybacks, or lost receipts. WhoPays is built for real people sharing real costs — simple, transparent, and fair. Use Cases: - Split trip costs among travelers - Share rent and utilities with roommates - Track a couple or family expenses - Settle group dinners, gifts, events - Manage shared project or hobby spending Use AI-powered receipt scanning and voice input to speed up all of these scenarios, so your group can focus on the fun — not the math. Getting Started: - Create a group. - Invite members. - Log expenses. - See balances and settle up. Download WhoPays and take the stress out of shared money. Terms of Use: https://who-pays.com/terms

About

SplitUp

Features
Read full description

SplitUp - Split & Share Bills The ultimate expense splitting app for groups, couples, and friends. Never worry about who owes what again! SMART EXPENSE TRACKING SplitUp makes it incredibly easy to track and split expenses with anyone. Whether you're sharing household bills, planning a trip with friends, or managing expenses with your partner, SplitUp has you covered. KEY FEATURES - Group Management - Create groups for different occasions - Add members easily with invite - Manage multiple groups simultaneously - Perfect for roommates, couples, trips, and events - Expense Tracking - Add expenses quickly with smart categorization - Attach photos to expense receipts - Track who paid and who owes - Detailed expense history - Smart Splitting - Split expenses equally or custom amounts - Automatic balance calculation - Real-time debt tracking - Settle up with one tap - Clear overview of who owes whom - Advanced Analytics - Visual charts and graphs - Spending trends and patterns - Category-wise expense breakdown - Monthly and yearly reports - Export data to PDF format - Group Messaging - In-app chat for each group - Discuss expenses and plans - Send payment reminders - Share updates with group members - Premium Features - PDF export for expense reports - Unlimited groups (free version limited) - Advanced analytics and insights - Group Messaging - Attach photos to expense receipts PERFECT FOR - Roommates sharing rent and utilities - Couples managing household expenses - Friends planning trips together - Event organizers tracking costs - Anyone who shares expenses regularly GLOBAL READY - Support for 50+ languages - Works offline with sync when connected - Available worldwide WHY CHOOSE SPLITUP? - Intuitive and beautiful design - No hidden fees or surprises - Quick expense entry in seconds - Automatic calculations save time - Reduce money conflicts in groups - Keep perfect records effortlessly SETTLE UP SMARTLY Stop using spreadsheets or keeping mental notes. SplitUp automatically tracks all shared expenses and calculates exactly who owes what. When it's time to settle up, you'll know the exact amounts. FEATURES AT A GLANCE - Quick expense entry - Photo attachments for receipts - Multiple payment methods tracking - Recurring expense support - Expense categories and tags - Detailed transaction history - Push notifications for updates - Offline mode with sync - Data backup and restore FREE TO START Get started with SplitUp for free! Create groups, add expenses, and split bills without any upfront cost. Upgrade to Premium for advanced features when you need them. Privacy Policy: https://alperenciftlikci.github.io/splitup-support/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

WhoPays AI4 screens
SplitUp4 screens

Verdict

The call

The clearest difference is update cadence: SplitUp at every 3 days against WhoPays AI's weekly. On price, ads, in-app purchases and device support 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. WhoPays AI sells 3 in-app purchases, starting at $1.99 per 7 days and SplitUp sells 2 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

WhoPays AI ships an update weekly, SplitUp every 3 days. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.

Scorecard1 real difference · 8 level
WhoPays AI versus SplitUp: the parameters behind the verdict, then further details
ParameterWhoPays AISplitUp
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size35 MB78 MB
Age rating4+4+
DeveloperVolodymyr BilousAlperen Ciftlikci

In-app purchases

3 purchases

WhoPays AI

Subscriptions3
  • 1 Week3 Days trial$1.997 Days
  • 1 Month3 Days trial$3.991 Month
  • 1 Year3 Days trial$24.991 Year
2 purchases

SplitUp

Subscriptions2
  • Weekly$1.997 Days
  • Annual$14.991 Year

Questions

Is WhoPays AI free?
WhoPays AI is free to download, with in-app purchases available.
Is SplitUp free?
SplitUp is free to download, with in-app purchases available.
Do WhoPays AI or SplitUp have ads?
Neither WhoPays AI nor SplitUp shows ads.
Which is updated more often, WhoPays AI or SplitUp?
WhoPays AI ships an update weekly, and SplitUp every 3 days. Most recently, WhoPays AI was updated on October 25, 2026 and SplitUp on October 22, 2026.

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