# Chippy Split vs Smart Finance

The clearest difference is iOS requirement: Chippy Split at 15.6 against Smart Finance's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Chippy Split sells 2 in-app purchases, starting at $1.99 per month and Smart Finance sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Chippy Split ships an update every 9 days, Smart Finance every 6 days. The most recent releases landed on October 28, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Chippy Split | Smart Finance |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 6 days** |
| Monetization | Free with in-app purchases | — |
| Size | 87 MB | 37 MB |
| Requires iOS | **15.6** | 26.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Aman Khan](https://appshunter.io/developer/1838878555) | [Rahin Mustafa](https://appshunter.io/developer/1871060815) |

## What reviewers say

### Chippy Split

[App page](https://appshunter.io/ios/app/chippy-split/id6752320999)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Chippy Pro | $1.99 | per month |
| Chippy Pro Annual | $6.99 | per year |


### Smart Finance

[App page](https://appshunter.io/ios/app/smart-finance-budget-planner/id6758128481)

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Smart Finance Pro (Monthly) | $2.99 | per month |
| Smart Finance Pro (Yearly) | $19.99 | per year |
| Smart Finance Pro (Lifetime) | $29.99 | one-time |


## Frequently asked questions

### Is Chippy Split free?

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

### Is Smart Finance free?

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

### Do Chippy Split or Smart Finance have ads?

Neither Chippy Split nor Smart Finance shows ads.

### Which is updated more often, Chippy Split or Smart Finance?

Chippy Split ships an update every 9 days, and Smart Finance every 6 days. Most recently, Chippy Split was updated on October 28, 2026 and Smart Finance on October 25, 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.*