Comparison

Schuldenschein vs Split Bill

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

Head to head
About

Schuldenschein

Features
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Schuldenschein ist die einfache, sichere Lösung, um Schulden gemeinsam zu organisieren. Erstelle Gruppen, weise Beträge zu, setze Fälligkeiten und Zinsen, teile Einladungen per iCloud‑Link und erhalte dezent Erinnerungen – alles in einem klaren, modernen Design. Highlights: - Gruppen: Gemeinsame Übersichten mit “Ich schulde”, “Mir geschuldet”, “Gesamt” und Mitgliedern - Schulden hinzufügen: Betrag, Währung, Schuldner/Gläubiger, Gruppe, Kategorie, Beschreibung - Fälligkeit & Zinsen: Presets, Startdatum, optionaler Zinssatz - Erinnerungen: Deutsche Benachrichtigungen bei Fälligkeit/Überfälligkeit - Teilen & Beitreten: Schöne iCloud‑Einladungen, direkter Beitritt in die Gruppe - Diagramme & Verlauf: Entwicklung und Status (offen, bezahlt, storniert) im Blick - Kontakte: Schnell Personen finden und einladen - Datenschutz: iCloud‑Sync, lokale Speicherung, keine Drittanbieter‑Tracker - Geräte: Optimiert für iPhone & iPad; helles, klares Schwarz/Weiß/Grau‑Design Warum Schuldenschein? - Schnell: Schulden in Sekunden anlegen - Transparent: Klare Formulierungen (“X schuldet Y …”) - Zuverlässig: iCloud‑Synchronisation, Konfliktlösung per “Last‑Write‑Wins” -Unaufdringlich: Dezente, hilfreiche Benachrichtigungen

About

Split Bill

Features
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Split a bill between friends in seconds — and know exactly who owes who. Most bill splitters stop at "divide by four." Split Bill keeps a running tally for the whole trip, the whole house or the whole night out, then untangles every debt into the smallest possible set of payments. Instead of six people paying each other back in circles, you get two transfers and everybody is even. WHAT YOU GET - Log an expense, mark who paid, and watch every balance update instantly - Split equally, by shares, by exact amounts or by percent — the cents always add up to the total - One Settle Up screen showing the fewest payments that clear every debt in the group - Separate groups for the trip, the flat and the dinner, each with its own people and history - A full expense history tagged by food, drinks, groceries, transport, stay, activities and shopping, plus an optional weekly settle-up reminder - A tidy who-owes-who summary you can send straight into the group chat PERFECT FOR - Friends on a trip where different people keep covering different things - Housemates sharing groceries, utilities and household costs month after month - Big dinners and nights out where one card pays the whole tab - Group gifts, weddings and events funded from a shared pot WHY NOT JUST USE A SPREADSHEET? Because a spreadsheet never tells you who should pay whom. You still have to work out the transfers yourself, chase the rounding cents, and re-share the file every time someone buys a round of coffee. Split Bill recalculates every balance the moment an expense lands and hands you the answer as a short list of payments — not a grid of numbers. Tick each payment off as it happens and the list shrinks until the group is clear. PRIVACY Everything stays on your iPhone. No account, no sign-up, no ads, no tracking and nothing uploaded anywhere. The app works with no internet connection at all. FULL ACCESS Split Bill is a premium app. Full access unlocks unlimited groups, the shares, exact-amount and percent split methods, and the complete minimal-transfers settle-up. It is available as a weekly plan, a yearly plan, or a one-time lifetime purchase. The weekly and yearly plans renew automatically until you cancel them in your Apple ID settings; the lifetime option is a single payment that never renews. Create your group, log tonight's dinner, and let Split Bill do the math before anyone reaches for a calculator. Terms of Use (EULA): https://web-levi.web.app/terms Privacy Policy: https://web-levi.web.app/privacy-policy Questions? tphuc.work@gmail.com

Screenshots

Schuldenschein4 screens
Split Bill4 screens

Verdict

The call

The clearest difference is in-app purchases: Schuldenschein at none against Split Bill's 3. Schuldenschein also leads on update cadence (every 2 days vs monthly). On price, ads, device support and iOS requirement 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 Bill sells 3 in-app purchases, starting at $3.99 per 7 days. Schuldenschein asks for nothing beyond the download.

UpkeepUpdate frequency

Schuldenschein ships an update every 2 days, Split Bill monthly. The most recent releases landed on October 18, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 4 level
Schuldenschein versus Split Bill: the parameters behind the verdict, then further details
ParameterSchuldenscheinSplit Bill
PriceFreeFree
Update frequencyEvery 2 days — betterMonthly
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad — betteriPhone
Requires iOS17.617.0 — better
Further details — not scored
Size4 MB7 MB
Age rating4+4+
DeveloperMaxim KeibelPhuc Pham

In-app purchases

None

Schuldenschein

No in-app purchases

3 purchases

Split Bill

Subscriptions2
  • Dinner Tab Sharing Weekly$3.997 Days
  • Friend Debt Tally Yearly$19.991 Year
One-time1
  • Roommate & Trip IOUs Forever$39.99

Questions

Is Schuldenschein free?
Schuldenschein is free to download, with no in-app purchases.
Is Split Bill free?
Split Bill is free to download, with in-app purchases available.
Do Schuldenschein or Split Bill have ads?
Neither Schuldenschein nor Split Bill shows ads.
Which is updated more often, Schuldenschein or Split Bill?
Schuldenschein ships an update every 2 days, and Split Bill monthly. Most recently, Schuldenschein was updated on October 18, 2026 and Split Bill on October 10, 2026.

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