Comparison

Cospender vs Expense Split

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

Head to head
About

Cospender

Easily manage shared expenses with friends, family, or partners. Create groups, add expenses, and see automatic debt calculations. Track spending with graphs and set up recurring costs. Integrates with Apple Watch and notification widgets for quick access.

Highlights
  • Create expense groups
  • Invite members to share
  • Automatic debt calculation
  • Detailed expense graphs
  • Recurring expense setup
  • Apple Watch integration
  • Notification center widget
Features
Read full description

Cospender is the easiest way to manage expenses with your partner, family, roommates or friends. Going on holiday with friends, being roommates or living in couple without a shared bank account. Create groups of expenses: Home, Holidays, Work, etc. Invite a member to join and share your expenses in a group. Add expenses individually as a group member. View instantly on your app all added expenses. See Cospender's automatic calculation of each member's debt. Manage your budget more effectively. Follow your expenses every month through detailed graphs. Create recurring expenses: Rent, Subscriptions, etc. Cospender for Apple Watch, the perfect and coolest companion to quickly add your expenses. New Today Widget in the notification center so you can quickly have a look at your last expenses. • No registration needed • Automatic synchronization • Debt calculation of each member • Offline expense creation • Recurring expenses • Push notifications • Add an expense on your Apple Watch • Quickly see your last expenses in the notification center Cospender is free to download and use. Cospender Premium upgrades your experience for $4.99 a year through an auto-renewing subscription. Subscriptions will be charged to your credit card through your iTunes account. Your subscription will automatically renew unless cancelled at least 24 hours before the end of the current period. You will not be able to cancel a subscription during the active period. You can manage your subscriptions in the Account Settings after purchase. Our Terms of Use: http://www.cospender.com/?page=termsofuse Our Privacy Policy: http://www.cospender.com/?page=privacy Learn more about Cospender at www.cospender.com

About

Expense Split

Easily split shared expenses with friends, roommates, or travel companions. This tool automates calculations, handles custom splits, and provides clear balance breakdowns to simplify debt settlement without awkward conversations.

Highlights
  • Split bills in seconds
  • Customizable and smart splits
  • Intelligent expense suggestions
  • Organized group overviews
  • Real-time collaboration
  • Simplified debt settlement
  • Privacy-focused, no account needed
Features
Read full description

Welcome to Expense Split - Your Ultimate Bill Divvy Tool! Stop Awkward "Who Owes What?" Conversations Split bills fairly with friends, roommates, and travel buddies without the spreadsheets, math errors, or awkward money talks. SPLIT ANY BILL IN SECONDS - Add expenses with a few taps - Everyone pays their fair share automatically - Works for dinners, rent, trips, or any shared cost CUSTOM SPLITS WITH SMART LOCKS - Lock specific amounts while adjusting others - Perfect for unequal splits (ordered steak vs salad?) - No more "wait, change that back!" moments - Others auto-adjust to keep total at 100% INTELLIGENT & AUTOMATIC - AI suggests expense categories as you type (Supports iPhone 15 Pro and above) - Quick-add friends from your other groups - Remembers your preferences - No more repetitive data entry ORGANIZED GROUP OVERVIEW - See "3 people · 7 expenses" at a glance - Know what's in each group before opening - Track multiple groups effortlessly - Empty states guide you when starting out REAL-TIME COLLABORATION - Share groups with roommates via CloudKit - Everyone sees updates instantly - Set view-only or editing permissions - No more "did you add that expense?" texts SETTLE UP WITHOUT THE AWKWARDNESS - Crystal-clear balance breakdowns - Simplifies debts to fewest transactions - Export records as CSV for bookkeeping - Know exactly who owes whom PRIVACY FIRST - No account required—start immediately - Your data stays on your devices - Optional iCloud sync across iPhone, iPad, Apple Watch - No ads, no tracking, no nonsense Perfect for: - Roommates splitting rent, utilities, groceries - Friends sharing dinner bills or concert tickets - Couples tracking joint expenses - Travel groups managing vacation costs - Families organizing shared purchases Premium Features Available: Unlock advanced features with one simple purchase-no confusing tiers or subscriptions. All features, one price, forever. Join thousands who've stopped arguing about money. Download ExpenseSplit and make bill splitting simple.

Screenshots

Cospender4 screens
Expense Split4 screens

Verdict

The call

Cospender and Expense Split both sit at 4.7 stars, but that hides the real split: 79% of Cospender's written reviews are positive against 33% of Expense Split's. Cospender also leads on iOS requirement (8.2 vs 16.6). On price, rating, ratings volume and update cadence 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. Cospender sells 1 in-app purchase, starting at $4.99 per year and Expense Split sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Cospender against 4.7 for Expense Split. Both are backed by a comparable volume of ratings — 29 and 20 respectively. Written reviews are what separate them: 79% of Cospender's written reviews are positive against 33% of Expense Split's.

UpkeepUpdate frequency

Cospender ships an update every 3 weeks, Expense Split every 2 weeks. The most recent releases landed on October 10, 2026 and September 24, 2026 respectively.

Scorecard2 real differences · 8 level
Cospender versus Expense Split: the parameters behind the verdict, then further details
ParameterCospenderExpense Split
PriceFreeFree
Rating4.7 (29 ratings)4.7 (20 ratings)
Positive reviews79.0% of reviews — better33.3% of reviews
Number of ratings29 — better20
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, Apple Watch
Requires iOS8.2 — better16.6
Further details — not scored
Size7 MB8 MB
Age rating4+4+
DeveloperStephan BorderaS Ravi Shankar

Customer experience

Cospender

All ratings29 ratings
Positive96.6%
Neutral0.0%
Negative3.4%
Written reviews124 reviews
Positive79.0%
Neutral8.1%
Negative12.9%

Expense Split

All ratings19 ratings
Positive89.5%
Neutral5.3%
Negative5.3%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

In-app purchases

1 purchases

Cospender

Subscriptions1
  • Cospender Premium One Year$4.991 Year
4 purchases

Expense Split

One-time4
  • Share Settle Up PDF$0.99
  • Export CSV$1.99
  • All Pro Features$2.99
Show 1 more
  • All Premium Features$2.99

Questions

Is Cospender free?
Cospender is free to download, with in-app purchases available.
Is Expense Split free?
Expense Split is free to download, with in-app purchases available.
Which has better reviews, Cospender or Expense Split?
Cospender and Expense Split are both rated 4.7 out of 5 on the App Store, from 29 and 20 ratings respectively.
Do Cospender or Expense Split have ads?
Neither Cospender nor Expense Split shows ads.
Which is updated more often, Cospender or Expense Split?
Cospender ships an update every 3 weeks, and Expense Split every 2 weeks. Most recently, Cospender was updated on October 10, 2026 and Expense Split on September 24, 2026.

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