Comparison

Split Bill & Costs vs Lode

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

Head to head
About

Split Bill & Costs

This app provides transparent expense tracking for shared costs, showing detailed breakdowns of who paid what and how balances are calculated. It supports both short-term trips and ongoing group expenses with multi-currency options and spending insights.

Highlights
  • Transparent balance calculation
  • Trip and group expense tracking
  • Multi-currency support with live rates
  • Interactive spending charts
  • Built-in calculator
  • Group Trend dashboard
Features
Read full description

Your expense app tells you that you owe $47. But do you know why? PaySoon shows you. Tap any balance and see the full breakdown — who paid what, who shared what, and exactly how the numbers add up. No black boxes. No blind trust. Just clear, transparent math. Whether you're splitting a holiday with friends or sharing rent with flatmates, money between people shouldn't require a spreadsheet to verify. YOUR FIRST TRIP OR GROUP IS FREE Create a Trip for your next vacation, or a Group for ongoing shared living costs — rent, utilities, household, couples spending. Full access in either: expenses, settlements, multi-currency, insights, everything. Go Premium for unlimited. TRIPS & GROUPS — ONE APP FOR BOTH • Trip — short, time-bounded, settle at the end. Perfect for holidays, weekend getaways, group adventures. • Group — ongoing, no end date, recurring expenses. Perfect for flatmates, couples, family households, monthly subscriptions split with friends. Trips track by date. Groups track by month with built-in trend analytics. Both settle up beautifully. SEE EXACTLY HOW EVERY BALANCE IS CALCULATED 8 people, 20 expenses, dozens of IOUs? PaySoon's smart algorithm simplifies complex debts into the fewest transfers possible. Tap any balance to see the full calculation — who paid what, who shared what, and how it all adds up. No other splitting app shows you this. SEE WHERE YOUR MONEY ACTUALLY WENT Interactive spending charts by category and currency, for both trips and groups. New: Group Trend dashboard tracks your monthly spending patterns over time — see your household or couple's rhythm at a glance. Drill into details, filter by participant, save as a photo, share to Instagram or WhatsApp. BUILT-IN CALCULATOR Do the math right inside the app. Add, subtract, multiply, or divide without switching apps — then split the result instantly. 150+ CURRENCIES, LIVE RATES Traveling abroad or splitting bills across borders? Add expenses in any currency with real-time exchange rates. Every transaction records the exact rate for full transparency. MORE THAN SPLITWISE OR TRICOUNT PaySoon does what other expense apps don't: - Full calculation transparency — see exactly how every balance was calculated - Trips AND groups in one app — travel money and shared-living money, both tracked - Group Trend dashboard — month-by-month spending insights for ongoing groups - Spending insights with interactive charts — see where your money actually goes - Built-in calculator — no switching apps to do math - Import from Splitwise in minutes — switch without losing your history - Custom categories — not just preset labels - Settle in a different currency than the trip or group's base MORE FEATURES YOU'LL LOVE - Add expenses in 3 taps with smart defaults - Activity logs — see who added or changed what - Share a code — friends or flatmates join instantly - Settle up in any currency - Multiple payers and custom split amounts - Monthly expense navigation for groups - Beautiful minimalistic design - Fast, responsive customer support PREMIUM Your first trip or group is free with full access to every feature. Upgrade to Premium for unlimited trips and groups. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions in your Apple ID account settings. PaySoon — your transparent expense tracker, for trips and groups. Privacy Policy: https://paysoon.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Lode

Effortlessly track expenses using natural language input or by scanning receipts. This AI-powered app categorizes transactions, provides insights into spending, and helps with budgeting and bill reminders. It offers secure iCloud syncing and is designed with privacy in mind.

Highlights
  • Natural language expense entry
  • AI-powered receipt scanning
  • Chat-based financial insights
  • Budgeting and bill reminders
  • Income and spending statistics
  • Secure iCloud syncing
  • Multi-currency support
Features
Read full description

Lode is an AI expense tracker that turns plain language into clean personal finance records. Type "coffee 5" or just say what you spent — Lode creates the transaction for you. No long forms, no menu diving. AI detects the category, amount, date, note, and currency, then keeps your money organized. SMART, EFFORTLESS ENTRY - Natural language: write or speak a few words, get a ready transaction - Scan receipts — AI reads the amount, store, and date - Learns your habits for faster, more accurate categorizing ASK LODE ANYTHING - Chat with Lode about your money — "How much did I spend on coffee this month?" - Get plain-language answers about balances, budgets, and trends - Ask hands-free with Siri, too SEE WHERE YOUR MONEY GOES - Income and spending statistics, side by side - Daily cost and daily income, trends, and category breakdowns - Smart insights that explain your numbers in plain words PLAN AHEAD - Budgets with alerts before you overspend - Bills and reminders so nothing slips - Savings goals with progress tracking - Debts — who owes whom, and how much is left BUILT FOR REAL LIFE - Multiple currencies with live exchange rates and a built-in converter - Shared accounts for family or partners, synced across devices - Home Screen, Lock Screen, and Control Center widgets - Siri Shortcuts to add transactions, check balances and budgets, or hear a monthly report - Smart import from CSV, Excel, or other finance apps — AI maps your data automatically PRIVATE BY DESIGN - Your data syncs securely through iCloud - No ads, no selling your data Start with a few words. Lode does the rest. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy

Screenshots

Split Bill & Costs4 screens
Lode4 screens

Verdict

The call

The clearest difference is ratings volume: Lode at 8 against Split Bill & Costs's 2. On price, rating, update cadence and ads 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. Split Bill & Costs sells 2 in-app purchases, starting at $3.99 per month and Lode sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Split Bill & Costs against 5.0 for Lode. Both are backed by a comparable volume of ratings — 2 and 8 respectively.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 5 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 9 level
Split Bill & Costs versus Lode: the parameters behind the verdict, then further details
ParameterSplit Bill & CostsLode
PriceFreeFree
Rating5.0 (2 ratings)5.0 (8 ratings)
Positive reviews—100.0% of reviews
Number of ratings28 — better
Update frequencyEvery 5 daysEvery 5 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS18.518.0 — better
Further details — not scored
Size14 MB112 MB
Age rating4+4+
DeveloperRong Wei SoonKyrylo Svystun

In-app purchases

2 purchases

Split Bill & Costs

Subscriptions2
  • Unlimited Expense Splitting$3.991 Month
  • Unlimited Trips & Groups$34.991 Year
3 purchases

Lode

Subscriptions2
  • Lode Premium$3.991 Month
  • Lode Premium3 Days trial$29.991 Year
One-time1
  • Lifetime Premium$59.99

Questions

Is Split Bill & Costs free?
Split Bill & Costs is free to download, with in-app purchases available.
Is Lode free?
Lode is free to download, with in-app purchases available.
Which has better reviews, Split Bill & Costs or Lode?
Split Bill & Costs and Lode are both rated 5.0 out of 5 on the App Store, from 2 and 8 ratings respectively.
Do Split Bill & Costs or Lode have ads?
Neither Split Bill & Costs nor Lode shows ads.
Which is updated more often, Split Bill & Costs or Lode?
Split Bill & Costs ships an update every 5 days, and Lode every 5 days. Most recently, Split Bill & Costs was updated on October 30, 2026 and Lode on October 31, 2026.

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