Comparison

Splitr vs Setto

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

Head to head
About

Splitr

Effortlessly divide expenses with friends and roommates. This app uses AI to scan receipts, automatically identify items, and calculate each person's exact share, including tax and tip. Track balances and settle up easily.

Highlights
  • AI receipt scanning
  • Automatic line item extraction
  • Proportional tax and tip calculation
  • Group and instant splits
  • Track balances and settle up
  • Multiple splitting methods
Features
Read full description

Stop splitting the bill evenly when you only had a salad. Splitr lets you snap a photo of any receipt, automatically extract every line item with AI, and have each person claim exactly what they ordered. No guesswork, no awkward math, no overpaying. CREATE GROUPS OR SPLIT INSTANTLY Set up ongoing groups for roommates, trips, or households. Or skip the setup entirely — create a quick split and share a link. Friends can claim their items from the web without downloading the app. AI RECEIPT SCANNER Take a photo of your receipt. Splitr reads every line item, tax, and tip automatically. Each person taps what they had, and the app calculates everyone's exact share — including proportional tax and tip. MULTIPLE WAYS TO SPLIT Split by line item, equally, by percentage, or by exact amount. TRACK BALANCES & SETTLE UP See exactly who owes what across all your groups and expenses. SPLITR PREMIUM — $17.99/year OR $2.99/month Start with a free trial, then unlock 20 AI receipt scans per day, unlimited attachments, CSV exports, recurring expenses, placeholder members, and more. All core features remain completely free. Terms of Use: https://getsplitr.com/terms Privacy Policy: https://getsplitr.com/privacy

About

Setto

Features
Read full description

Split expenses with friends, roommates, and travel groups — without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO • Apple Watch: log expenses and check balances from your wrist • Split any way: equal, percentage, exact amounts, or custom shares • Smart debt simplification across all your groups • AI entry: type naturally or use voice (“dinner 40 with Sam”) • On-device receipt scan — merchant and amount, privately on your phone • Nudge friends politely when something’s still open • Real-time activity feed for expenses, edits, and settlements • Cross-group balances so you always know the full picture • Offline-ready — add and view expenses, sync when you’re back • Reports: monthly charts, categories, PDF/CSV export • Trip mode: budgets, default splits, multi-currency • Recurring expenses for rent, subscriptions, and regular bills • Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.

Screenshots

Splitr4 screens
Setto4 screens

Verdict

The call

The clearest difference is in-app purchases: Setto at none against Splitr's 2. Setto also leads on update cadence (daily vs every 4 days) and device support (4 vs 2). On price, ads and iOS requirement 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. Splitr sells 2 in-app purchases, starting at $2.99 per month. Setto asks for nothing beyond the download.

UpkeepUpdate frequency

Splitr ships an update every 4 days, Setto daily. Both last shipped on October 9, 2026.

Scorecard3 real differences · 6 level
Splitr versus Setto: the parameters behind the verdict, then further details
ParameterSplitrSetto
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 4 daysDaily — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS15.1 — better15.5
Further details — not scored
Size41 MB150 MB
Age rating4+4+
DeveloperZM IqbalArun Dhaduti

In-app purchases

2 purchases

Splitr

Subscriptions2
  • Splitr Premium$2.991 Month
  • Splitr Premium3 Days trial$17.991 Year
None

Setto

No in-app purchases

Questions

Is Splitr free?
Splitr is free to download, with in-app purchases available.
Is Setto free?
Setto is free to download, with no in-app purchases.
Do Splitr or Setto have ads?
Neither Splitr nor Setto shows ads.
Which is updated more often, Splitr or Setto?
Splitr ships an update every 4 days, and Setto daily. Most recently, Splitr was updated on October 9, 2026 and Setto on October 9, 2026.

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