# Introspect vs PayUp Splits

The clearest difference is in-app purchases: PayUp Splits at none against Introspect's 2. Introspect's advantage is iOS requirement (18.0 vs 26.2). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Introspect sells 2 in-app purchases, starting at $4.99 per month. PayUp Splits asks for nothing beyond the download.

Introspect ships an update every 2 months, PayUp Splits every 6 weeks. The most recent releases landed on October 20, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Introspect | PayUp Splits |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/introspect-mindful-spending/id6760700044/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Freemium | — |
| Size | 25 MB | 35 MB |
| Requires iOS | **18.0** | 26.2 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Jack Cornet Paterson](https://appshunter.io/developer/1696442629) | [Rudra Das](https://appshunter.io/developer/1870087086) |

## What reviewers say

### Introspect

[App page](https://appshunter.io/ios/app/introspect-mindful-spending/id6760700044)

This app helps you pause impulse purchases by setting cooldown timers and guiding you through reflections to understand your buying motivations. It creates a history of your decisions and offers practical tips to improve your spending habits.

**Highlights:** Cooldown timers for purchase pauses, Guided reflection cards, Insight cards for purchase motivations, Decision receipts and activity tracking, Wallet-style decision timeline, Weekly spending tips, Privacy-first, on-device data

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $4.99 | per month |
| Yearly | $29.99 | per year |


### PayUp Splits

[App page](https://appshunter.io/ios/app/payup-splits-split-bills/id6773180437)

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

**In-app purchases:** none


## Frequently asked questions

### Is Introspect free?

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

### Is PayUp Splits free?

PayUp Splits is free to download, with no in-app purchases.

### Do Introspect or PayUp Splits have ads?

Neither Introspect nor PayUp Splits shows ads.

### Which is updated more often, Introspect or PayUp Splits?

Introspect ships an update every 2 months, and PayUp Splits every 6 weeks. Most recently, Introspect was updated on October 20, 2026 and PayUp Splits on October 10, 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.*