Comparison

uSquare vs Mutual

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

Head to head
About

uSquare

Features
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uSquare is the expense splitter that actually settles up, not just keeps score. Create a group, add your friends, and track shared costs from rent and groceries to trips and dinners. Free features: • Fair splits (equal, percentage, or custom) • Debt simplification — turns a tangle of IOUs into the fewest payments needed to settle up • Group Pot — a shared pool for recurring costs like rent or a house fund • Fair Share Score — see who's pulling their weight on shared costs over time • Trip Map — see where a trip's expenses happened, pinned on a map • Round-robin payer rotation for recurring expenses • Multi-currency support · Recurring expenses · Real-time sync across iPhone and web Pro (€3.99/month, auto-renewing): • Receipt scanning — snap a photo, amount and merchant fill in automatically • Category budgets with spending alerts • Grocery list — check off items, convert them straight into a split expense • Full activity history and audit trail • Unlimited daily expenses (free tier: 3/day) Subscription details: Payment is charged to your Apple ID at confirmation. Subscription renews automatically unless auto-renew is turned off at least 24 hours before period end. Account is charged for renewal within 24 hours before period end. Manage/cancel in App Store account settings. Terms of Use: https://u-square.life/terms Privacy Policy: https://u-square.life/privacy Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Mutual

This app helps couples manage shared finances fairly and automatically. It allows for custom bill splitting, tracks joint spending, and facilitates saving for shared goals, aiming to reduce money-related arguments.

Highlights
  • Fair expense splitting (50/50, by income, custom)
  • Real-time balance tracking for partners
  • Shared savings goals with progress tracking
  • Spending categorization and analysis
  • Instant syncing between partners
  • Invite partner in seconds
Features
Read full description

Splitting bills shouldn't cause arguments. Mutual makes expense sharing fair, simple, and automatic — even when you and your partner earn differently. BUILT FOR COUPLES, NOT GROUPS Most expense apps are made for splitting a group trip with friends. Mutual is different — it's designed specifically for couple budgeting and two people actually sharing a life and joint finances together. SPLIT FAIRLY, NOT JUST EVENLY Choose 50/50, split by income, or set your own custom split. No more guilt, no more awkward math when managing your shared expenses. ALWAYS KNOW WHO OWES WHO Every expense updates instantly for both partners. Track joint expenses monthly with ease, see your balance clearly anytime, and say goodbye to spreadsheets and mental math. SAVE TOGETHER TOWARD WHAT MATTERS Set shared goals — a house down payment, a trip, a wedding, an emergency fund — and watch your progress grow together in real time. SEE WHERE YOUR MONEY GOES Track spending by category and understand your shared finances at a glance. BUILT FOR TWO Invite your partner in seconds. Everything syncs instantly between both of you. Mutual — fair finances, fewer money fights, more progress toward your shared goals. Privacy Policy: https://mutual.elhardouf.com/privacy.html Terms of Use: https://mutual.elhardouf.com/terms.html

Screenshots

uSquare4 screens
Mutual4 screens

Verdict

The call

The clearest difference is ads: Mutual at none against uSquare's shown. uSquare's advantage is update cadence (every 2 days vs weekly). On price, in-app purchases, device support 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. uSquare sells 2 in-app purchases, starting at $3.99 per month and Mutual sells 3 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

uSquare ships an update every 2 days, Mutual weekly. Both last shipped on October 31, 2026.

Scorecard2 real differences · 8 level
uSquare versus Mutual: the parameters behind the verdict, then further details
ParameteruSquareMutual
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 2 days — betterWeekly
AdsYesNo — better
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size84 MB78 MB
Age rating4+4+
DeveloperDaniel KialkaYassine EL HARDOUF

In-app purchases

2 purchases

uSquare

Subscriptions2
  • uSquare Pro$3.991 Month
  • uSquare Pro (Annual)$39.991 Year
3 purchases

Mutual

Subscriptions3
  • Weekly premium$1.997 Days
  • Monthly premium3 Days trial$4.991 Month
  • Yearly Premium$29.991 Year

Questions

Is uSquare free?
uSquare is free to download, with in-app purchases available.
Is Mutual free?
Mutual is free to download, with in-app purchases available.
Do uSquare or Mutual have ads?
uSquare shows ads; Mutual does not.
Which is updated more often, uSquare or Mutual?
uSquare ships an update every 2 days, and Mutual weekly. Most recently, uSquare was updated on October 31, 2026 and Mutual on October 31, 2026.

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