Chippy Split vs SplitNSettle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chippy Split
Easily manage shared expenses with friends, roommates, and groups. Split bills instantly, track balances in real-time, and settle debts without confusion. Organize expenses by group and get clear overviews of all shared spending.
- Instant bill splitting
- Flexible splitting options
- Organize expenses by groups
- Real-time balance tracking
- Payment reminders
- Expense history and reports
- Receipt import
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Split bills, track expenses, and settle faster with Chippy Split. The easiest way to manage shared expenses with friends, roommates, trips, and groups, all in one place. Whether you're splitting rent, managing travel costs, or tracking daily expenses, Chippy Split keeps everything clear, fair, and stress-free. Why Chippy Split? Managing shared expenses shouldn’t be complicated. Chippy Split helps you split bills instantly, track balances in real time, and settle without confusion. Key Features • Add and split bills instantly without any limits • Flexible splitting options: equal, percentage, or custom amounts • Organize expenses by groups (friends, trips, roommates) • Track balances and settlements in real time • Send payment reminders to group members • View complete expense history • Export expense reports anytime Share and Add Bills Faster Easily import images or receipts directly into the app and start creating bills instantly. No more manual entry ,just share and go. Perfect For • Friends sharing daily expenses • Roommates splitting rent and utilities • Group trips and vacations • Couples managing shared spending Simple. Transparent. Stress-Free. No awkward reminders. No confusion. No missed payments. Just smart expense tracking that works. Privacy Policy https://card-snap.in/chippyapp/privacypolicy Terms of Use (EULA) https://card-snap.in/chippyapp/termsofuse
SplitNSettle
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Money with friends shouldn't be awkward. SplitNSettle makes splitting bills, tracking shared expenses, and settling up effortless — whether you're traveling, living with flatmates, or just splitting dinner. Add an expense, choose who's in, and we handle the math. When it's time to settle, we calculate the simplest path so everyone gets even with the fewest transfers. — WHY YOU'LL LOVE IT — - MONTHLY BILLS ON AUTOPILOT Perfect for flatmates and family. Add recurring bills like rent, maid, Wi-Fi, or subscriptions once — they split equally every month, and each member marks their share as paid. A full payment history keeps everyone accountable. - SMART SETTLEMENTS No more complex math or "who owes who." We automatically calculate the most efficient way to clear debts within a group, minimizing the number of transfers needed to get everyone even. - ACTIONABLE INSIGHTS Beautiful charts visualize your spending by category and month, so you can spot trends and see exactly where your money goes over time. - STRUCTURED GROUPS & CATEGORIES Keep your financial life organized with smart categories and subcategories — like "Travel > Summer Trip" or "Food > Groceries" vs "Food > Dining Out" — for precise, clutter-free tracking. - RECEIPTS & PAYMENT PROOF Attach a photo of any bill to an expense and upload proof when you settle up. Every transaction stays backed by evidence — so there's never a doubt about who paid what. - UNIVERSAL CURRENCY SUPPORT Travel without limits. Add expenses in any currency and we'll keep the records straight, ensuring fair splits no matter where you are in the world. - GROUP POLLS Can't decide where to eat or which place to book? Create a poll and let everyone vote — decide together, faster, with no endless group-chat debates. — PERFECT FOR — • Roommates & flatmates splitting rent and bills • Friends on trips and vacations • Couples managing shared expenses • Families tracking household costs • Anyone tired of "I'll get you back later" Download SplitNSettle and turn shared expenses from a source of friction into something simple. Split smarter. Settle faster. LINKS - Privacy Policy: https://splitnsettle.app/privacy - Terms of Use (EULA): https://splitnsettle.app/terms - Support: https://splitnsettle.app/contact Note: AI features (Voice Input & Receipt Scanning) are powered by OpenAI. Data is processed securely for transcription and analysis only and is not used for training AI models.
Screenshots
Verdict
The clearest difference is update cadence: Chippy Split at weekly against SplitNSettle's every 5 weeks. 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
Both are free to download. Chippy Split sells 1 in-app purchase, starting at $1.99 per month and SplitNSettle sells 1 in-app purchase, starting at $4.99 per year. Whichever you choose, the download price is not the number that matters.
Chippy Split ships an update weekly, SplitNSettle every 5 weeks. The most recent releases landed on September 21, 2026 and September 10, 2026 respectively.
| Parameter | Chippy Split | SplitNSettle |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Weekly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 87 MB | 54 MB |
| Age rating | 4+ | 4+ |
| Developer | Aman Khan | Neetu Sharma |
In-app purchases
Chippy Split
- Chippy Pro$1.991 Month
SplitNSettle
- SplitNSettle Pro (Yearly)$4.991 Year





