Cospender vs SplitPal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Create expense groups
- Invite members to share
- Automatic debt calculation
- Detailed expense graphs
- Recurring expense setup
- Apple Watch integration
- Notification center widget
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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
SplitPal
Effortlessly split bills and expenses with friends and family. Features include receipt scanning with OCR, group collaboration via shareable links, and one-click payment options. No sign-up required, making shared finances simple.
- No sign-up required
- Receipt scanner with OCR
- Group collaboration with shareable links
- One-click Venmo payment integration
- Even, uneven, and itemized expense splitting
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SplitPal makes splitting bills with friends effortless — dinners, trips, apartment expenses, anything you share. Snap a photo of the bill — the AI receipt scanner reads every item, tax and tip automatically. Assign items to people in a couple of taps and SplitPal does all the math: who spent what, who owes whom. Why SplitPal: • Scan receipts — every item, tax and tip extracted automatically, no typing • Friends don't need the app — they join your group from a link in any browser, no sign-up • Settle with one tap — payment links open Venmo, PayPal, Cash App, Revolut or any UPI app, plus copyable bank details for everything else • Three ways to split: evenly, custom shares, or item by item from the receipt • Every currency — pay in euros, yen or pesos on the same trip, settle in dollars • Clear balances — transparent debt breakdowns, simplified to the fewest transfers • Multiple payers per expense, settle in parts or all at once • Link couples — one balance for two, fewer transfers • Group history — every action is visible to everyone • Spreadsheet export, and your phone and browser stay in sync • Free, no ads, no sign-up required How it works: 1. Create a group and add your people. 2. Add expenses: dinner, hotel, cabs, groceries. Split evenly, by share, or by receipt item. 3. SplitPal calculates everything — taxes and tips are distributed proportionally, so nobody over- or under-pays. 4. Settle up and mark it paid — the whole group sees it. Road trip with friends, rent and utilities with roommates, office lunches, group vacations, weddings — SplitPal does the math so you don't have to. The only app you need for bill splitting, expense sharing, IOU tracking and settling group costs. SplitPal Pro (optional) unlocks higher AI receipt-scan limits with a monthly or yearly subscription — or a one-time lifetime purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel anytime in your App Store account settings. Terms of Use: https://splitpal.io/terms-of-service Privacy Policy: https://splitpal.io/privacy-policy
Screenshots
Verdict
The clearest difference is device support: Cospender at 4 against SplitPal's 2. Cospender also leads on iOS requirement (8.2 vs 16.0). On price, rating, review sentiment and ratings volume 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. Cospender sells 1 in-app purchase, starting at $4.99 per year and SplitPal sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.7 for Cospender against 4.7 for SplitPal. Both are backed by a comparable volume of ratings — 29 and 21 respectively. Written reviews are what separate them: 79% of Cospender's written reviews are positive against 81% of SplitPal's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 10, 2026 and October 11, 2026 respectively.
| Parameter | Cospender | SplitPal |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (29 ratings) | 4.7 (21 ratings) |
| Positive reviews | 79.0% of reviews | 81.3% of reviews — better |
| Number of ratings | 29 — better | 21 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 8.2 — better | 16.0 |
| Further details — not scored | ||
| Size | 7 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Stephan Bordera | Legendary Bytes LLC |
Customer experience
Cospender
SplitPal
In-app purchases
Cospender
- Cospender Premium One Year$4.991 Year
SplitPal
- Remove Ads$2.99









