Comparison

Chippy Split vs Settle

Price, ratings, monetisation and update history for both apps, side by side — 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 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

About

Settle

Features
Read full description

Settle makes splitting money with friends effortless. Whether it's a trip, a shared flat, dinner, or a group gift, Settle keeps track of who paid, who owes what, and helps everyone square up — without the awkward math or the awkward reminders. SPLIT ANY EXPENSE • Add an expense in seconds and split it equally, by exact amounts, by percentage, or by shares. • Snap a photo of the receipt and keep it attached to the expense. • Organize costs into groups for trips, homes, or couples. SEE WHERE YOU STAND • A clear running balance for every group and every friend. • Understand who owes whom at a glance — no spreadsheets. • Spending charts and insights to see where the money went. SETTLE UP THE EASY WAY • Record settlements when someone pays you back. • Add your UPI ID so friends can pay you in a tap. BUILT TO FEEL GOOD • Fast, clean, and native — with a polished light and dark theme. • Optional Face ID lock to keep your balances private. • Works smoothly even when your connection drops. PRIVATE BY DESIGN • No ads. No tracking. No selling your data. • Sign in with Apple or Google. • Delete your account and data anytime, right from the app. Settle is a record-keeping tool — payments happen directly between you and your friends. Download Settle and never chase a balance again.

Screenshots

Chippy Split4 screens
Settle4 screens

Verdict

The call

The clearest difference is in-app purchases: Settle at none against Chippy Split's 1. Chippy Split's advantage is iOS requirement (15.6 vs 17.0). On price, update cadence, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Chippy Split sells 1 in-app purchase, starting at $1.99 per month. Settle asks for nothing beyond the download.

UpkeepUpdate frequency

Chippy Split ships an update weekly, Settle every 2 weeks. The most recent releases landed on September 21, 2026 and September 14, 2026 respectively.

Scorecard2 real differences · 6 level
Chippy Split versus Settle: the parameters behind the verdict, then further details
ParameterChippy SplitSettle
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size87 MB29 MB
Age rating4+4+
DeveloperAman KhanYashvardhan Bhardwaj

In-app purchases

1 purchases

Chippy Split

Subscriptions1
  • Chippy Pro$1.991 Month
None

Settle

No in-app purchases

Questions

Is Chippy Split free?
Chippy Split is free to download, with in-app purchases available.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Chippy Split or Settle have ads?
Neither Chippy Split nor Settle shows ads.
Which is updated more often, Chippy Split or Settle?
Chippy Split ships an update weekly, and Settle every 2 weeks. Most recently, Chippy Split was updated on September 21, 2026 and Settle on September 14, 2026.

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