# SplitSmart vs I.O.Then

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.

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.

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.

## The numbers

| Metric | SplitSmart | I.O.Then |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Monthly | **Every 8 days** |
| Monetization | — | Paid |
| Size | 8 MB | 5 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Dennis Harrington](https://appshunter.io/developer/1865020628) | [Aleh Rabchuk](https://appshunter.io/developer/1116159085) |

## What reviewers say

### SplitSmart

[App page](https://appshunter.io/ios/app/splitsmart-ai-bill-splitter/id6757275034)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SplitSmaryai Pro Monthly | $1.99 | per month |
| SplitSmart Pro | $9.99 | per year |


### I.O.Then

[App page](https://appshunter.io/ios/app/iothen-borrow-tracker/id6757635587)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*