Comparison

PaySplit vs Spliddy

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

Head to head
About

PaySplit

Easily track shared expenses like rent and trip costs with friends and roommates. This app offers a private way to settle debts, with no accounts or ads required. It helps you see clear balances and suggests the most efficient way to settle up.

Highlights
  • Track group expenses
  • Clear balance visibility
  • Smart settlement suggestions
  • Multi-currency support
  • iCloud group sharing
  • Voice entry (Pro)
Features
Read full description

Split shared bills without the awkward math. PaySplit shows who paid, who owes, and the fewest payments to settle up. No accounts. No ads. Private iCloud sharing. MADE FOR SHARED LIFE Rent, utilities, groceries, dinners, trips: if more than one person paid or benefited, PaySplit keeps it clear. • See exactly who owes what, at a glance. • Add an expense in seconds and choose who shares it. • Settle with fewer payments, not a web of IOUs. • Tap any balance to see how it was built: which expenses, which shares, which payments. • Share a group through iCloud. Your people do not need to create an account. • Keep groups in different currencies, with a running total in yours. NEW IN 2.1 • Receipt inbox: share a receipt from Photos, Mail or Messages and it waits for you to turn it into an expense. • Widgets and controls: balances on your Home and Lock Screen, and Add Expense from Control Center. • Spotlight: find any expense or payment from anywhere on your iPhone. • Siri that asks first: Add Expense and Record Payment confirm the details before saving. HOW IT WORKS 1. Create a group for your home, trip, or night out. 2. Add expenses as they happen. 3. Check balances and settle when you are ready. PAYSPLIT FREE & PRO Start free with your first 50 lifetime expenses, then 10 new expenses each month. PaySplit Pro adds: • Unlimited expenses • Recurring bills for rent, internet and other regular costs • Voice entry: say "Pizza, $42, split with Alex and Sam." • Line-by-line receipt splitting • Search across your history • Spending insights • CSV and PDF export $2.99/month or $14.99/year. YOUR DATA STAYS YOURS PaySplit stores group data in your iCloud account using Apple's CloudKit infrastructure. We have no servers and collect no data. Read the full policy at https://getpaysplit.app/privacy. QUESTIONS? Email support@getpaysplit.app. Every message reaches the developer directly. Subscription terms: PaySplit Pro auto-renews monthly or annually until cancelled. Manage or cancel anytime in Settings > Apple ID > Subscriptions. Payment is charged to your Apple ID. Subscriptions renew automatically unless turned off at least 24 hours before the end of the current period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Spliddy

Features
Read full description

No account. No login. No daily limits. Start a trip, share an 8-character code, and friends join from their own iPhone in seconds — everything syncs over iCloud. Spliddy splits trip, rent, dinner and group bills, tracks who paid what, and tells each person exactly who to pay — in the fewest payments possible. Free to use. No spreadsheets, no awkward math, no chasing friends for cash. SPLIT IT ANY WAY - Equal, exact amounts, percentages, or shares - Split by items - tap who had what for an exact, itemized bill - Multiple people can pay for one expense - Add fees or tips on top of any bill - Multi-currency: spend abroad and Spliddy converts to your group's base currency SETTLE UP THE SMART WAY - A fewest-payment plan so the group makes the fewest transfers - Edit or record partial payments as people pay you back - One-tap "Remind" to nudge friends with a share message - Live balances always show who owes who at a glance PERFECT FOR - Trips and vacations with friends - Roommates splitting rent and household costs - Couples tracking shared expenses - Dinners, group gifts, events, and everyday IOUs INSIGHTS (FREE) - See spending by category - Compare what each person paid vs. their share - Clear charts that make the numbers obvious STAY ORGANIZED - Recurring expenses - rent, subscriptions and dues repeat automatically, weekly or monthly - Attach a receipt photo to any expense; it syncs to the whole trip - Search and filter expenses to find any item fast - Duplicate an expense in one tap - Notes and "added by" on every expense - Recently Deleted with restore, so nothing is lost by accident - Syncs across your devices with iCloud SHARE THE TALLY - Send a clean Trip Summary card with the final results FREE & PREMIUM Spliddy is free to use with a small banner ad. Upgrade to Premium to remove ads and unlock CSV export, so you can send any trip's expenses to a spreadsheet. The annual plan even starts with a 7-day free trial. Download Spliddy and make splitting bills the easiest part of your next trip. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://mwsupplylimited.github.io/moneysplitter/privacy.html

Screenshots

PaySplit4 screens
Spliddy4 screens

Verdict

The call

The clearest difference is ads: PaySplit at none against Spliddy's shown. Spliddy's advantage is update cadence (every 2 days vs every 3 weeks) and iOS requirement (17.0 vs 26.0). On price, 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. PaySplit sells 3 in-app purchases, starting at $2.99 per month and Spliddy sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PaySplit ships an update every 3 weeks, Spliddy every 2 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 6 level
PaySplit versus Spliddy: the parameters behind the verdict, then further details
ParameterPaySplitSpliddy
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 weeksEvery 2 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad
Requires iOS26.017.0 — better
Further details — not scored
Size16 MB6 MB
Age rating4+4+
DeveloperRicardo CarvalhoMatthew Wong

In-app purchases

3 purchases

PaySplit

Subscriptions2
  • PaySplit Pro Monthly1 Month trial$2.991 Month
  • PaySplit Pro Yearly1 Year trial$14.991 Year
One-time1
  • Group Pass$4.99
2 purchases

Spliddy

Subscriptions2
  • Premium Monthly$1.991 Month
  • Premium Yearly7 Days trial$11.991 Year

Questions

Is PaySplit free?
PaySplit is free to download, with in-app purchases available.
Is Spliddy free?
Spliddy is free to download, with in-app purchases available.
Do PaySplit or Spliddy have ads?
Spliddy shows ads; PaySplit does not.
Which is updated more often, PaySplit or Spliddy?
PaySplit ships an update every 3 weeks, and Spliddy every 2 days. Most recently, PaySplit was updated on October 24, 2026 and Spliddy on October 25, 2026.

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