Comparison

Divvy vs SplitSmart

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

Head to head
About

Divvy

Easily track and split expenses with friends, family, or travel companions. Record payments, see who owes what, and settle up without needing an account. The app works offline and offers real-time collaboration on shared costs.

Highlights
  • Expense tracking for groups
  • Real-time collaboration
  • Offline functionality
  • Quick payment recording
  • Fair settlement calculation
  • Custom currencies
Read full description

Divvy is a simple expense tracker built for couples, friends, travelers, students, and anyone who splits costs. No sign-up or account is required. Start tracking expenses right away, whether youโ€™re managing everyday spending or sharing costs during a trip. Record payments in seconds, see who owes what, and settle up with ease. โ— Record payments quickly with custom currencies โ— Calculate fair settlements between group members โ— Share and collaborate on expenses in real time โ— Invite others to shared groups with a simple link โ— Use the app offline whenever you need Divvy is designed to stay simple. No clutter. No ads. Whether youโ€™re splitting dinner with friends, managing travel expenses, or tracking shared household costs, Divvy makes it easy to keep everyone on the same page. Just a clean way to track and settle shared costs.

About

SplitSmart

Features
Read full description

SplitSmart scans the receipt, splits the bill in seconds, and helps you collect from everyone. Snap a photo, tell it how to split, send each friend what they owe. SCAN ANY RECEIPT Point your camera at a paper receipt. SplitSmart's AI reads every line item, tax, and tip โ€” no typing. Works on restaurant checks, grocery slips, bar tabs, and rideshare receipts. SPLIT BY ITEM, NOT JUST EVENLY Drag items to people, split a shared appetizer, mark whose drinks were whose. Or split the whole tab evenly โ€” it's two taps. Tip and tax are calculated proportionally so no one over-pays. NEW: SETTLE UP After the bill is split, tap Settle Up. SplitSmart shows you exactly what each person owes the payer and gives you a one-tap Request button per person. Pre-filled message, ready to send through Messages, WhatsApp, email โ€” whatever you use. Or share the whole summary card to the group. NATURAL-LANGUAGE SPLITS Type "Sarah had the salad and half the wine, John paid for the dessert" and SplitSmart understands. No menus, no taps โ€” just describe the split. DESIGNED FOR IPHONE AND IPAD One subscription covers both. iPad gets a full sidebar layout. iPhone gets a fast bottom-tab flow built for the table. SUBSCRIPTION SplitSmart is free with 3 receipt scans per week. Pro unlocks Full Access: generous receipt scanning, more saved groups, and larger group sizes: - Monthly: $1.99 - Yearly: $9.99 (save 58%) Subscriptions are billed to your Apple ID and renew automatically unless turned off at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID settings. Any unused portion of a free period is forfeited when you purchase a subscription. Privacy Policy: https://pub-3970a22e7da04af9ba2fa4ec1f1ad7b3.r2.dev/splitsmart-ai/privacy-policy.html Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://pub-3970a22e7da04af9ba2fa4ec1f1ad7b3.r2.dev/splitsmart-ai/support.html

Screenshots

Divvy4 screens
SplitSmart4 screens

Verdict

The call

The clearest difference is update cadence: Divvy at weekly against SplitSmart's monthly. On price, ads, 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. Divvy sells 1 one-off in-app purchase and SplitSmart sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Divvy ships an update weekly, SplitSmart monthly. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard1 real difference ยท 6 level
Divvy versus SplitSmart: the parameters behind the verdict, then further details
ParameterDivvySplitSmart
PriceFreeFree
Update frequencyWeekly โ€” betterMonthly
AdsNoNo
In-app purchasesYesYes
MonetizationFreeโ€”
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.617.0 โ€” better
Further details โ€” not scored
Size4 MB8 MB
Age rating4+4+
DeveloperYU KATODennis Harrington

In-app purchases

1 purchases

Divvy

One-time1
  • Divvy Premium$3.99
2 purchases

SplitSmart

Subscriptions2
  • SplitSmaryai Pro Monthly$1.991 Month
  • SplitSmart Pro$9.991 Year

Questions

Is Divvy free?
Divvy is free to download, with in-app purchases available.
Is SplitSmart free?
SplitSmart is free to download, with in-app purchases available.
Do Divvy or SplitSmart have ads?
Neither Divvy nor SplitSmart shows ads.
Which is updated more often, Divvy or SplitSmart?
Divvy ships an update weekly, and SplitSmart monthly. Most recently, Divvy was updated on October 30, 2026 and SplitSmart on October 31, 2026.

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