Comparison

SplitSmart vs I.O.Then

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

Head to head
About

SplitSmart

Features
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SplitSmart scans the receipt, splits the bill in seconds, and helps you collect from everyone. Snap a photo, tell it how to split, send each friend what they owe. SCAN ANY RECEIPT Point your camera at a paper receipt. SplitSmart's AI reads every line item, tax, and tip — no typing. Works on restaurant checks, grocery slips, bar tabs, and rideshare receipts. SPLIT BY ITEM, NOT JUST EVENLY Drag items to people, split a shared appetizer, mark whose drinks were whose. Or split the whole tab evenly — it's two taps. Tip and tax are calculated proportionally so no one over-pays. NEW: SETTLE UP After the bill is split, tap Settle Up. SplitSmart shows you exactly what each person owes the payer and gives you a one-tap Request button per person. Pre-filled message, ready to send through Messages, WhatsApp, email — whatever you use. Or share the whole summary card to the group. NATURAL-LANGUAGE SPLITS Type "Sarah had the salad and half the wine, John paid for the dessert" and SplitSmart understands. No menus, no taps — just describe the split. DESIGNED FOR IPHONE AND IPAD One subscription covers both. iPad gets a full sidebar layout. iPhone gets a fast bottom-tab flow built for the table. SUBSCRIPTION SplitSmart is free with 3 receipt scans per week. Pro unlocks Full Access: generous receipt scanning, more saved groups, and larger group sizes: - Monthly: $1.99 - Yearly: $9.99 (save 58%) Subscriptions are billed to your Apple ID and renew automatically unless turned off at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID settings. Any unused portion of a free period is forfeited when you purchase a subscription. Privacy Policy: https://pub-3970a22e7da04af9ba2fa4ec1f1ad7b3.r2.dev/splitsmart-ai/privacy-policy.html Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://pub-3970a22e7da04af9ba2fa4ec1f1ad7b3.r2.dev/splitsmart-ai/support.html

About

I.O.Then

This app helps you track borrowed items and money, ensuring they are returned on time. It simplifies the process of lending and borrowing by allowing you to record details, set return dates, and get gentle reminders, preventing awkward conversations and lost belongings.

Highlights
  • Track borrowed items and money
  • Record borrower details
  • Set return dates
  • Digital signature capture
  • Automated reminders
  • Lending and borrowing history
Features
Read full description

I.O.Then - the app that keeps your stuff coming back! You know how it goes. Someone borrows your charger “for a minute”, your drill “just for today”, or your book “until the weekend”. Weeks pass. Months. Suddenly you’re wondering if you ever owned that thing at all. I.O.Then fixes that exact problem. Not in theory. For you. Take a quick photo of the item. Let the borrower sign with a finger. Set a return date. That’s it. You’ve created a tiny, friendly agreement that no one forgets. No awkward reminders. No “hey, remember that thing…?” messages. I.O.Then handles the nudging so you don’t have to. Why you’ll actually use it You stop losing your stuff to forgetful friends. You never feel uncomfortable reminding someone. You always know who has what and when it’s coming back. You get a clear history of every item you’ve lent out. It’s not about managing debts. It’s about keeping your belongings in your life instead of disappearing into someone else’s. How it makes your life easier Your neighbor borrows a tool and actually returns it. Your sibling takes your charger and doesn’t “accidentally keep it”. Your coworker returns that book you recommended instead of adopting it. If you lend your stuff even occasionally, I.O.Then quietly protects your time, your patience, and your things. That’s why it belongs on your phone. Because you’re tired of being the responsible one who remembers everything. Because you want your things back without chasing people. Because you deserve an app that handles the awkward part for you. I.O.Then keeps your belongings safe, your relationships smooth, and your sanity intact. You can use it for money debts too. And you can even keep track of your own debts — if you really want to ;)

Screenshots

SplitSmart4 screens
I.O.Then4 screens

Verdict

The call

The clearest difference is price: SplitSmart at Free against I.O.Then's $0.99. I.O.Then's advantage is in-app purchases (none vs 2) and update cadence (every 8 days vs monthly). On ads, 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

CostPrice · In-app purchases · Ads · Monetization

SplitSmart is free to download; I.O.Then costs $0.99 up front. SplitSmart sells 2 in-app purchases, starting at $1.99 per month. I.O.Then asks for nothing beyond the download.

UpkeepUpdate frequency

SplitSmart ships an update monthly, I.O.Then every 8 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 5 level
SplitSmart versus I.O.Then: the parameters behind the verdict, then further details
ParameterSplitSmartI.O.Then
PriceFree — better$0.99
Positive reviews—100.0% of reviews
Update frequencyMonthlyEvery 8 days — better
AdsNoNo
In-app purchasesYesNo — better
Monetization—Paid
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size8 MB5 MB
Age rating4+4+
DeveloperDennis HarringtonAleh Rabchuk

In-app purchases

2 purchases

SplitSmart

Subscriptions2
  • SplitSmaryai Pro Monthly$1.991 Month
  • SplitSmart Pro$9.991 Year
None

I.O.Then

No in-app purchases

Questions

Is SplitSmart free?
SplitSmart is free to download, with in-app purchases available.
Is I.O.Then free?
I.O.Then costs $0.99, with no in-app purchases.
Do SplitSmart or I.O.Then have ads?
Neither SplitSmart nor I.O.Then shows ads.
Which is updated more often, SplitSmart or I.O.Then?
SplitSmart ships an update monthly, and I.O.Then every 8 days. Most recently, SplitSmart was updated on October 28, 2026 and I.O.Then on October 24, 2026.

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