InstaLedger vs Split Cat
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
InstaLedger
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AI Quick Expense|AI Finance & Life Assistant Track expenses in one sentence and make money management feel natural. AI Quick Expense brings together AI expense tracking, account and asset management, shared ledgers, shared accounts, multi-currency support, charts, budgets, and everyday tools in one app. 【Fast AI Expense Tracking】 Type or say something like “Lunch 150 and coffee 80, record them as dining today.” AI helps organize the amount, category, account, and date. Use text, voice, photo/receipt recognition, or manual entry whenever it fits your situation. 【Accounts, Assets, and Liabilities】 Manage cash, bank accounts, digital wallets, credit cards, loans, and foreign-currency accounts. View total assets, total liabilities, net worth, account balances, transfers, and monthly changes to understand your full financial picture. 【Shared Ledgers, Shared Accounts, and Splitting】 Great for families, couples, friends, roommates, and shared expenses. Record together in a shared ledger, manage shared funds with shared accounts, and split bills for meals, trips, rent, or group purchases more clearly. 【Multi-Currency Tracking】 Track expenses and accounts in TWD, JPY, USD, THB, and more. Ideal for travel, overseas living, foreign-currency accounts, international subscriptions, and cross-border income or spending. Convert and view everything in your base currency. 【Charts, Budgets, and Insights】 See income and expenses, category breakdowns, daily trends, account distribution, and budget progress. Understand where your money goes and follow your spending habits with clear visual reports and AI-assisted insights. 【AI Life Assistant】 AI can help with more than bookkeeping: check weather, exchange rates, stocks, news, maps, traffic, restaurants, and music. You can also ask about spending records, analyze finances, manage reminders, remember where things are, and organize daily information. 【Life & Productivity Tools】 Includes to-do lists, calendar, notes, daily records, AI translation, QR scanner, currency converter, calculator, weight tracking, vehicle maintenance, customer CRM, gift money records, family birthdays, food roulette, and more. 【Personalized AI Characters】 Choose an AI character you like or upload your own character image to make bookkeeping and daily interactions feel more personal. AI Quick Expense is more than an expense tracker. It is a smart life assistant for finance, sharing, multi-currency management, AI help, and everyday productivity. Download now and start managing your money and life in a simpler way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://instaledger.cc/html/privacy-en.html
Split Cat
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Splitting money with roommates, travel buddies, or family always ends the same way: someone paid first, everyone owes something, and nobody remembers the details. Split Cat logs every expense and does the math for you. ◆ Itemized splitting - Log each expense separately: who paid, who shares it, all clear - See who owes whom, and how much, at any time ◆ Auto settle-up, fewest transfers - Settlement always gives you the plan with the fewest transfers - One tap settles everything, with the record kept ◆ Siri quick log - Hands full? Say "Log an expense in Split Cat" and the cat takes it down - The entry is marked when you get back to the app; fill in details later ◆ Foreign-currency ledgers - Open a travel ledger and log in yen, won, or baht directly - Settlement converts back to one currency; rates auto-fill and stay editable ◆ Settle reminders - Let a tab sit too long and the cat reminds you it's time - Turn it off in Settings anytime ◆ Pairs and groups - Pair up 1-on-1 and share one synced ledger - Group splitting for dinners and trips, so the whole squad stays square ◆ Share the settlement - Send the result to LINE, iMessage, or wherever your group lives - Awkward to ask for money? Let the cat be the messenger - The cat has LINE stickers now, too — dunning messages, delivered by cat ◆ Completely free - Every feature is free: no subscription, no in-app purchases ◆ Privacy - Zero tracking: no analytics, no ads, no data collection - Sync runs on your own iCloud; there are no servers of ours to see it Amounts accept one decimal place.
Screenshots
Verdict
The clearest difference is in-app purchases: Split Cat at none against InstaLedger's 4. Split Cat also leads on ads (none vs shown) and update cadence (fortnightly vs every 6 weeks). On price, device support and iOS requirement 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. InstaLedger sells 4 in-app purchases, starting at $1.99 per month. Split Cat asks for nothing beyond the download.
InstaLedger ships an update every 6 weeks, Split Cat fortnightly. The most recent releases landed on October 16, 2026 and October 8, 2026 respectively.
| Parameter | InstaLedger | Split Cat |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Devices | iPhone | iPhone |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 36 MB | 6 MB |
| Age rating | 17+ | 4+ |
| Developer | HSIN YU TSAI | Lin Ping Cheng |
In-app purchases
InstaLedger
- BASIC$1.991 Month
- PRO$9.991 Month
- BASIC$19.991 Year
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- PRO$99.991 Year
Split Cat
No in-app purchases









