Comparison

Cospender vs Splitkaro

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

Splitkaro

Effortlessly manage shared expenses with friends, roommates, or family. This app simplifies bill splitting, tracks personal and group costs, and provides smart payment reminders to avoid awkward money conversations.

Highlights
  • Intelligent payment reminders
  • One-tap bill import from popular services
  • Item-wise bill splitting
  • Auto expense tracking via SMS
  • Group chat and money sharing
  • Graphs, charts, and analytics
  • Import balances from other apps
Features
Read full description

Splitkaro is the expense tracker and bill splitter for roommates, couples, trips, homes, teams, and your own personal spending. Track personal and shared expenses together in one app, with flexible splitting, smart reminders, spending insights, and no limit on how many expenses you add. FREE, AND FREE MEANS FREE Unlimited expenses. Unlimited members. Unlimited groups. No cap on how many expenses you can add, ever, and no paywall after the first handful. Category-wise spending insights are free too. Premium is optional. SWITCHING APPS? Coming from Splitwise? Import your groups & balances from Splitwise and carry on without limits. SPLIT EXPENSES ANY WAY YOU NEED • Split equally, unequally, by ratio, or item by item • Assign each dish or item to whoever actually had it • Rounding always adds up, so no cents are ever left over • Add cash expenses with a photo of the receipt • Share a split by link so the other person sees it right away • See who owes who at a glance, per group and overall • Smart reminders get people to settle up without awkward follow-ups • Track payments and balances until everyone is settled up • Chat with your group right where the expenses are A GROUP EXPENSE TRACKER FOR EVERY SITUATION • Roommates splitting rent, groceries and utilities • Couples managing shared spending • Friends and travel groups tracking trip costs • Families organising household expenses • Small teams sharing business costs • Personal expense tracking and budgeting MORE THAN A BILL SPLITTING APP Most people use one app to split expenses with friends and another to track their own. Splitkaro does both. Share costs on a carpool, split a group trip, split rent with housemates, split the check at dinner and settle up the same night. Your personal spending lives in the same place. AUTOMATIC EXPENSE TRACKING Import your bank and card statements and every purchase shows up on its own. Just tag it to a group. Set a rule once and future transactions go into the right group and category automatically. Direct card and bank connections are rolling out now. KNOW WHAT YOU ACTUALLY SPENT The bill was $120, but your share was $24. Splitkaro counts the $24. One tab shows what you really spent, paid, and received across every group and your personal expenses, with category analytics and clean monthly summaries. Your data syncs securely across your devices and the web, and friends can join your group from any phone. SPLITKARO PREMIUM Splitkaro is free to use. Premium is an optional upgrade that adds expense search, custom categories, full analytics, PDF export, and dark mode. Choose a monthly or yearly plan. • The monthly plan is an auto-renewing subscription. The yearly plan does not renew automatically • Payment is charged to your Apple ID account when you confirm the purchase • The monthly subscription renews automatically unless you cancel it at least 24 hours before the end of the current period • Your account is charged for the renewal within 24 hours before the current period ends • You can manage or cancel your subscription in your App Store account settings after purchase • You can keep using the free version without subscribing Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://privacy.splitkaro.com/ Questions or feedback? support@splitkaro.com

Screenshots

Cospender4 screens
Splitkaro4 screens

Verdict

The call

The clearest difference is rating: Splitkaro at 4.9 against Cospender's 4.7. Cospender's advantage is device support (4 vs 1) and iOS requirement (8.2 vs 16.0). On price, review sentiment, 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 Splitkaro sells 10 in-app purchases, starting at $2.00 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Splitkaro holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 29 and 59 respectively. Written reviews split almost evenly too, at 79% and 78% positive.

UpkeepUpdate frequency

Cospender ships an update every 3 weeks, Splitkaro every 6 weeks. The most recent releases landed on October 10, 2026 and October 13, 2026 respectively.

Scorecard3 real differences · 7 level
Cospender versus Splitkaro: the parameters behind the verdict, then further details
ParameterCospenderSplitkaro
PriceFreeFree
Rating4.7 (29 ratings)4.9 (59 ratings) — better
Positive reviews79.0% of reviews — better78.5% of reviews
Number of ratings2959 — better
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone
Requires iOS8.2 — better16.0
Further details — not scored
Size7 MB82 MB
Age rating4+4+
DeveloperStephan BorderaSplitkaro Private Limited

Customer experience

Cospender

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

Splitkaro

All ratings59 ratings
Positive98.3%
Neutral1.7%
Negative0.0%
Written reviews65 reviews
Positive78.5%
Neutral9.2%
Negative12.3%

In-app purchases

1 purchases

Cospender

Subscriptions1
  • Cospender Premium One Year$4.991 Year
10 purchases

Splitkaro

Subscriptions2
  • Monthly Subscription$2.001 Month
  • Monthly Subscription$4.001 Month
One-time8
  • Splitkaro Subscription$0.99
  • Trail Plan$1.00
  • Monthly Plan$4.00
Show 5 more
  • Quarterly Plan$5.00
  • Yearly Plan$12.00
  • Yearly Plan Onboard$12.00
  • Yearly Plan Day1$12.00
  • Annual Premium Plan$15.00

Questions

Is Cospender free?
Cospender is free to download, with in-app purchases available.
Is Splitkaro free?
Splitkaro is free to download, with in-app purchases available.
Which has better reviews, Cospender or Splitkaro?
Splitkaro is rated higher. Cospender averages 4.7 out of 5 from 29 ratings, while Splitkaro averages 4.9 from 59 ratings.
Do Cospender or Splitkaro have ads?
Neither Cospender nor Splitkaro shows ads.
Which is updated more often, Cospender or Splitkaro?
Cospender ships an update every 3 weeks, and Splitkaro every 6 weeks. Most recently, Cospender was updated on October 10, 2026 and Splitkaro on October 13, 2026.

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