Settld. vs Spliddy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Spliddy
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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
Verdict
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
Both are free to download. Spliddy sells 2 in-app purchases, starting at $1.99 per month. Settld. asks for nothing beyond the download.
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.
| Parameter | Settld. | Spliddy |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 9 days | Every 2 days — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 53 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | CulinAI, LLC | Matthew Wong |
In-app purchases
Settld.
No in-app purchases
Spliddy
- Premium Monthly$1.991 Month
- Premium Yearly7 Days trial$11.991 Year









