Comparison

Chippy Split vs SplitNSettle

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

Head to head
About

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.

Highlights
  • Instant bill splitting
  • Flexible splitting options
  • Organize expenses by groups
  • Real-time balance tracking
  • Payment reminders
  • Expense history and reports
  • Receipt import
Features
Read full description

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 shouldnโ€™t be complicated. Chippy Split helps you split bills instantly, track balances in real time, and settle without confusion. Key Features โ€ข Add and split bills instantly without any limits โ€ข Flexible splitting options: equal, percentage, or custom amounts โ€ข Organize expenses by groups (friends, trips, roommates) โ€ข Track balances and settlements in real time โ€ข Send payment reminders to group members โ€ข View complete expense history โ€ข 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 โ€ข Friends sharing daily expenses โ€ข Roommates splitting rent and utilities โ€ข Group trips and vacations โ€ข 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

About

SplitNSettle

Features
Read full description

Money with friends shouldn't be awkward. SplitNSettle makes splitting bills, tracking shared expenses, and settling up effortless โ€” 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. โ€” WHY YOU'LL LOVE IT โ€” - MONTHLY BILLS ON AUTOPILOT Perfect for flatmates and family. Add recurring bills like rent, maid, Wi-Fi, or subscriptions once โ€” 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 โ€” like "Travel > Summer Trip" or "Food > Groceries" vs "Food > Dining Out" โ€” 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 โ€” 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 โ€” decide together, faster, with no endless group-chat debates. โ€” PERFECT FOR โ€” โ€ข Roommates & flatmates splitting rent and bills โ€ข Friends on trips and vacations โ€ข Couples managing shared expenses โ€ข Families tracking household costs โ€ข 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

Chippy Split4 screens
SplitNSettle4 screens

Verdict

The call

The clearest difference is ads: Chippy Split at none against SplitNSettle's shown. Chippy Split also leads on update cadence (every 9 days vs every 3 weeks). On price, in-app purchases, device support and iOS requirement 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. Chippy Split sells 2 in-app purchases, 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.

UpkeepUpdate frequency

Chippy Split ships an update every 9 days, SplitNSettle every 3 weeks. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

Scorecard2 real differences ยท 6 level
Chippy Split versus SplitNSettle: the parameters behind the verdict, then further details
ParameterChippy SplitSplitNSettle
PriceFreeFree
Positive reviews100.0% of reviewsโ€”
Update frequencyEvery 9 days โ€” betterEvery 3 weeks
AdsNo โ€” betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesโ€”
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 โ€” better
Further details โ€” not scored
Size87 MB62 MB
Age rating4+4+
DeveloperAman KhanNeetu Sharma

In-app purchases

2 purchases

Chippy Split

Subscriptions2
  • Chippy Pro$1.991 Month
  • Chippy Pro Annual$6.991 Year
1 purchases

SplitNSettle

Subscriptions1
  • SplitNSettle Pro (Yearly)$4.991 Year

Questions

Is Chippy Split free?
Chippy Split is free to download, with in-app purchases available.
Is SplitNSettle free?
SplitNSettle is free to download, with in-app purchases available.
Do Chippy Split or SplitNSettle have ads?
SplitNSettle shows ads; Chippy Split does not.
Which is updated more often, Chippy Split or SplitNSettle?
Chippy Split ships an update every 9 days, and SplitNSettle every 3 weeks. Most recently, Chippy Split was updated on October 28, 2026 and SplitNSettle on October 24, 2026.

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