Schuldenschein vs Split Bill
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Schuldenschein
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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
Split Bill
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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
Verdict
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
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.
Schuldenschein ships an update every 2 days, Split Bill monthly. The most recent releases landed on October 18, 2026 and October 10, 2026 respectively.
| Parameter | Schuldenschein | Split Bill |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 17.6 | 17.0 — better |
| Further details — not scored | ||
| Size | 4 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | Maxim Keibel | Phuc Pham |
In-app purchases
Schuldenschein
No in-app purchases
Split Bill
- Dinner Tab Sharing Weekly$3.997 Days
- Friend Debt Tally Yearly$19.991 Year
- Roommate & Trip IOUs Forever$39.99









