Comparison

SplitBook vs SimpleSpend

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

Head to head
About

SplitBook

Features
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Track shared household expenses, split costs fairly, and settle up — without spreadsheets, group chats, or yet another account. SplitBook is built for couples, families, and roommates who want a simple running ledger of who paid what and who owes whom. Everything syncs through your private iCloud account, so there are no servers, no logins, and no third-party trackers between you and your household. WHAT YOU CAN DO • Log expenses in seconds — vendor, amount, category, who paid • Split four ways: – Equally among everyone in the household – For selected members only – By exact amount when shares aren't even – None, if it's only the payer's expense • Built-in math (+, −, ×, ÷) for combining items at checkout • Record payments between household members and link them to specific expenses so balances always reflect reality • See net balances ("Ellen owes you $87.50") with the math done for you across every transaction • Visualize spending by category and timeframe with a clean donut chart • Search across every expense and payment instantly BUILT FOR HOUSEHOLDS Invite household members with one link — no logins, no email list, no third-party account to sign up for. iCloud handles the identity. Everyone's view of the shared ledger stays in sync, even offline. YOUR DATA IS YOURS • Everything stored on your device and synced through your personal iCloud account • No analytics. No telemetry. No third-party servers. • Export to a backup file any time. Restore any time. PRIVACY SplitBook does not collect any data about you. We don't have servers, we don't have accounts, and we don't have your financial information. Your expenses stay between you and your household. COMING SOON More features in the works for paid Pro tier — including recurring expenses (rent, utilities, subscriptions), receipt attachments, smart receipt scanning, CSV export, and budgets. One-time purchase, no subscription, ever. REQUIREMENTS • iPhone running iOS 18 or later • iCloud account (for sharing with household members) SUPPORT Questions, suggestions, or bug reports: splitbook@mentalhygienist.llc mentalhygienist.llc/splitbook

About

SimpleSpend

Features
Read full description

Tracking your money should feel simple. SimpleSpend is a fast, focused, ad-free expense tracker. Log a transaction in seconds—no sign-up or unnecessary distractions. Build a clear picture of your personal finances without turning every entry into a chore. FAST, FLEXIBLE TRACKING • Enter the amount, category, account, and note • Hold "+" to log by voice: Say the amount, date, category and more, then release to fill in the transaction form. • Review before saving: Check or edit the details filled in from your voice input to help avoid mistakes. • Create custom categories, subcategories, and accounts • Use Siri and Shortcuts to log expenses or income by voice RECURRING TRANSACTIONS FOR RENT AND BILLS Rent, phone bills, gym memberships, loan payments, and more—set them up once on a daily, weekly, monthly, yearly, or custom schedule. When a transaction is due, SimpleSpend adds it the next time you open the app. SEE WHAT SUBSCRIPTIONS COST Mark an expense as a subscription to see your estimated annual total and projected charges for the next 12 months. Quickly decide what is worth keeping and what you may want to reconsider. TRACK MONEY TOGETHER Invite your partner or family to one shared ledger. Up to 6 people can log income and expenses and view budgets and insights. Personal and shared ledgers stay separate, so everything remains clear. BUDGETS AND SPENDING INSIGHTS • See income, expenses, net balance, and spending by category • Filter by day, week, month, year, or a custom date range • Set monthly budgets to stay on track MULTIPLE LEDGERS AND CURRENCIES • Separate family, travel, shared expenses, and more into their own ledgers • Fetch exchange rates automatically and view converted totals in your chosen currency YOUR DATA, YOUR CHOICE • Keep data on your device by default • Turn on iCloud sync between your iPhone and iPad • Shared ledgers are shared only with invited members; personal ledgers stay separate • Export your data to CSV anytime • Enjoy an ad-free experience—we do not sell your data Core tracking is free. Upgrade to Pro for unlimited recurring rules, batch editing, category merging, and more. Download SimpleSpend and see your spending more clearly. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://castorstudio.xyz/apps/simplespend/privacy/

Screenshots

SplitBook1 screens
SimpleSpend4 screens

Verdict

The call

The clearest difference is in-app purchases: SplitBook at none against SimpleSpend's 2. On price, update cadence, ads 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. SimpleSpend sells 2 in-app purchases, starting at $4.99 per year. SplitBook asks for nothing beyond the download.

UpkeepUpdate frequency

SplitBook ships an update every 2 weeks, SimpleSpend every 8 days. The most recent releases landed on September 27, 2026 and October 1, 2026 respectively.

Scorecard1 real difference · 5 level
SplitBook versus SimpleSpend: the parameters behind the verdict, then further details
ParameterSplitBookSimpleSpend
PriceFreeFree
Update frequencyEvery 2 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.018.0
Further details — not scored
Size2 MB32 MB
Age rating4+4+
DeveloperJared Ferguson杭 李

In-app purchases

None

SplitBook

No in-app purchases

2 purchases

SimpleSpend

Subscriptions1
  • SimpleSpend Pro$4.991 Year
One-time1
  • SimpleSpend Pro$17.99

Questions

Is SplitBook free?
SplitBook is free to download, with no in-app purchases.
Is SimpleSpend free?
SimpleSpend is free to download, with in-app purchases available.
Do SplitBook or SimpleSpend have ads?
Neither SplitBook nor SimpleSpend shows ads.
Which is updated more often, SplitBook or SimpleSpend?
SplitBook ships an update every 2 weeks, and SimpleSpend every 8 days. Most recently, SplitBook was updated on September 27, 2026 and SimpleSpend on October 1, 2026.

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