Comparison

Settld. vs Spliddy

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

Head to head
About

Settld.

Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.

Highlights
  • Split receipts and bills
  • Assign items to specific people
  • Track balances in real-time
  • Send payment requests
  • Mark cash payments
  • Clean dashboard for active bills
Features
Read full description

Settld makes splitting bills effortless. Whether it’s dinner, rent, trips, bars, groceries, or group events, Settld helps you divide expenses fairly and get paid back fast. FEATURES • Split receipts and bills in seconds • Assign items to specific people • Track balances in real time • Send payment requests instantly • Mark cash payments manually • Clean dashboard for active bills • Know exactly who owes what • Fast, simple, stress-free design PERFECT FOR • Restaurants • Roommates • Vacations • Group dinners • Bars and nightlife • Shared purchases • Everyday friend groups NO MORE AWKWARD GROUP CHATS No spreadsheets. No Venmo confusion. No chasing people for money. Just split it. Track it. Get Settld.

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

Settld.4 screens
Spliddy4 screens

Verdict

The call

The clearest difference is in-app purchases: Settld. at none against Spliddy's 2. Settld. also leads on ads (none vs shown) and iOS requirement (15.1 vs 17.0). Spliddy's advantage is update cadence (every 2 days vs every 9 days). On price 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. Spliddy sells 2 in-app purchases, starting at $1.99 per month. Settld. asks for nothing beyond the download.

UpkeepUpdate frequency

Settld. ships an update every 9 days, Spliddy every 2 days. The most recent releases landed on October 8, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 6 level
Settld. versus Spliddy: the parameters behind the verdict, then further details
ParameterSettld.Spliddy
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 9 daysEvery 2 days — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size53 MB6 MB
Age rating4+4+
DeveloperCulinAI, LLCMatthew Wong

In-app purchases

None

Settld.

No in-app purchases

2 purchases

Spliddy

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

Questions

Is Settld. free?
Settld. is free to download, with no in-app purchases.
Is Spliddy free?
Spliddy is free to download, with in-app purchases available.
Do Settld. or Spliddy have ads?
Spliddy shows ads; Settld. does not.
Which is updated more often, Settld. or Spliddy?
Settld. ships an update every 9 days, and Spliddy every 2 days. Most recently, Settld. was updated on October 8, 2026 and Spliddy on October 15, 2026.

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