Comparison

Splits vs PyCashFlow

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

Head to head
About

Splits

Features
Read full description

Track your shared household budget with fairness and clarity. Splits helps you and your household stay on top of shared expenses by organizing them into monthly, weekly, or custom periods — so you always know who paid what and who owes whom. Whether you're living with roommates, a partner, or family, Splits makes it simple to split bills, stay on budget, and settle up fairly over time. Key Features: Shared Budget Periods Organize expenses by month, week, quarter, or year. Reset and start fresh every period — automatically. Track Together Add expenses collaboratively and see everyone's contributions. Fair Splits Instantly calculate who owes whom based on how much each person paid. Recurring Expenses Set up repeat items like rent, groceries, or utilities and never miss a bill. One-Tap Settle Up See who needs to pay and mark expenses as settled with a single tap. Multiple Currencies Choose your preferred currency, we support most currencies. Beautiful Analytics View contribution splits, spending trends, and how your expenses change over time. Why Splits? Because fairness matters when you share expenses. Splits brings transparency and structure to shared living costs — no more spreadsheets, awkward reminders, or forgotten IOUs. Start your first budget in under a minute. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

PyCashFlow

Forecast your future bank balance to avoid shortfalls and plan spending. Test 'what if' financial scenarios with AI-powered insights. Access securely via cloud or self-host for full control.

Highlights
  • Cash flow forecasting
  • Scenario planning
  • AI-powered insights
  • Secure bank syncing
  • Self-hosted or cloud deployment
  • Ad-free experience
Features
Read full description

See whether upcoming bills, paychecks, and planned spending will leave you short before it happens. PyCashFlow forecasts your future balance so you can plan ahead, avoid surprises, and test “what if?” decisions before money leaves your account. Add recurring income, bills, holds, and one-time scenarios to see how your balance may change over the next 90 days. Use PyCashFlow Cloud for managed access across devices, or connect to your own self-hosted PyCashFlow server. KEY FEATURES • Cash Flow Forecasting Model your future balance day by day based on income, expenses, bills, and scheduled transactions. • Scenario Planning Test planned purchases, extra payments, delayed bills, holds, or other financial decisions before you make them. • AI-Powered Cash Flow Insights Identify possible future balance risks and spending patterns before they become problems. • Secure Bank Balance Syncing Through Plaid Set it up anytime from Settings > More Settings to help keep your starting balance up to date. • Flexible Deployment Use PyCashFlow in two ways: – Local Mode: build and manage your own forecasts entirely on-device, with schedules, scenarios, holds, skips, and a full dashboard—no cloud account required – Self-Hosted: run your own server and maintain full control – PyCashFlow Cloud: managed hosting, secure access, and no server setup required • Secure Data Handling Your financial data is handled securely. PyCashFlow Cloud is hosted in the United States with secure managed access. Self-hosted users retain control of their own server and data. • Mobile Access View and manage your financial projections from anywhere using a clean, intuitive interface. • Ad-Free Experience No ads, distractions, or clutter — just your financial forecast. PYCASHFLOW CLOUD PyCashFlow Cloud provides a fully managed hosted experience: • No server setup required • Automatic updates and maintenance • Secure access from your device • 7-day free trial for new subscribers Cloud access requires a subscription purchased through the App Store. Self-hosted usage remains free for users who run their own PyCashFlow server. IMPORTANT INFORMATION • Subscriptions renew automatically unless canceled • Manage or cancel your subscription in your Apple ID settings • Pricing may vary by region DISCLAIMER PyCashFlow is a financial planning tool. It does not provide financial, investment, tax, or legal advice. All projections are estimates and should be evaluated independently before making financial decisions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.pycashflow.com/privacy

Screenshots

Splits4 screens
PyCashFlow4 screens

Verdict

The call

The clearest difference is update cadence: Splits at every 2 days against PyCashFlow's every 5 days. Splits also leads on iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases 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. Splits sells 1 in-app purchase, starting at $2.99 per month and PyCashFlow sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Splits ships an update every 2 days, PyCashFlow every 5 days. The most recent releases landed on September 8, 2026 and October 2, 2026 respectively.

Scorecard2 real differences · 8 level
Splits versus PyCashFlow: the parameters behind the verdict, then further details
ParameterSplitsPyCashFlow
PriceFreeFree
Rating—5.0 (3 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—3 — better
Update frequencyEvery 2 days — betterEvery 5 days
AdsNoNo
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size46 MB4 MB
Age rating4+12+
DeveloperMICHAEL MEHLUM WILHELMSENH3 Consulting Partners LLC

In-app purchases

1 purchases

Splits

Subscriptions1
  • Splits Premium – Monthly$2.991 Month
2 purchases

PyCashFlow

Subscriptions2
  • PyCashFlow Cloud Monthly7 Days trial$9.991 Month
  • PyCashFlow Cloud Annual$59.991 Year

Questions

Is Splits free?
Splits is free to download, with in-app purchases available.
Is PyCashFlow free?
PyCashFlow is free to download, with in-app purchases available.
Do Splits or PyCashFlow have ads?
Neither Splits nor PyCashFlow shows ads.
Which is updated more often, Splits or PyCashFlow?
Splits ships an update every 2 days, and PyCashFlow every 5 days. Most recently, Splits was updated on September 8, 2026 and PyCashFlow on October 2, 2026.

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