# Spend Split vs Pony Up

The clearest difference is iOS requirement: Spend Split at 13.0 against Pony Up's 16.4. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Spend Split sells 1 in-app purchase, starting at $2.99 per month and Pony Up sells 5 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Spend Split ships an update fortnightly, Pony Up every 3 weeks. The most recent releases landed on October 13, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Spend Split | Pony Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (6 ratings)](https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091/reviews)** |
| Number of ratings | — | **6** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | — | Free with in-app purchases |
| Size | 68 MB | 93 MB |
| Requires iOS | **13.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Saeed Anwar](https://appshunter.io/developer/1871100554) | [Nathan Hintz](https://appshunter.io/developer/6777123093) |

## What reviewers say

### Spend Split

[App page](https://appshunter.io/ios/app/spend-split-budget-planner/id6758571585)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $2.99 | per month |


### Pony Up

[App page](https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091)

This finance app offers a private, customizable toolkit for managing your money. It allows you to split bills, create budgets, track subscriptions, and plan debt payoff without monthly fees or ads. Users can choose individual tools or bundles, with one module offered free.

**Highlights:** Split bills with friends, Build private budgets, Track subscriptions and bills, Create debt payoff plans, Customizable dashboard, Private data storage

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bill Splitter Module | $0.99 | one-time |
| Budgeting Module | $0.99 | one-time |
| Bills & Subscriptions Module | $0.99 | one-time |
| Debt Planner Module | $0.99 | one-time |
| 3 Modules Bundle | $1.99 | one-time |


## Frequently asked questions

### Is Spend Split free?

Spend Split is free to download, with in-app purchases available.

### Is Pony Up free?

Pony Up is free to download, with in-app purchases available.

### Do Spend Split or Pony Up have ads?

Neither Spend Split nor Pony Up shows ads.

### Which is updated more often, Spend Split or Pony Up?

Spend Split ships an update fortnightly, and Pony Up every 3 weeks. Most recently, Spend Split was updated on October 13, 2026 and Pony Up on October 10, 2026.

---

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