# Divvy vs Setto

The clearest difference is in-app purchases: Setto at none against Divvy's 1. Setto also leads on update cadence (daily vs weekly) and device support (4 vs 2). On price and ads there is nothing between them.

Both are free to download. Divvy sells 1 one-off in-app purchase. Setto asks for nothing beyond the download.

Divvy ships an update weekly, Setto daily. The most recent releases landed on September 22, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Divvy | Setto |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Weekly | **Daily** |
| Monetization | Free | — |
| Size | 4 MB | 150 MB |
| Requires iOS | 17.6 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [YU KATO](https://appshunter.io/developer/1829845661) | [Arun Dhaduti](https://appshunter.io/developer/6798785513) |

## What reviewers say

### Divvy

[App page](https://appshunter.io/ios/app/divvy-split-expenses/id6749283590)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Divvy Premium | $3.99 | one-time |


### Setto

[App page](https://appshunter.io/ios/app/setto-expense-sharing/id6798785511)

**Features:** Apple Watch app

**In-app purchases:** none


## Frequently asked questions

### Is Divvy free?

Divvy is free to download, with in-app purchases available.

### Is Setto free?

Setto is free to download, with no in-app purchases.

### Do Divvy or Setto have ads?

Neither Divvy nor Setto shows ads.

### Which is updated more often, Divvy or Setto?

Divvy ships an update weekly, and Setto daily. Most recently, Divvy was updated on September 22, 2026 and Setto on October 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*