Comparison

Cospender vs SplitPal

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

SplitPal

Effortlessly split bills and track shared expenses with friends and roommates. Scan receipts with AI to automatically itemize costs, assign them to individuals, and settle debts with integrated payment links. Supports multiple currencies and offers clear balance breakdowns for simplified group finances.

Highlights
  • AI receipt scanning for automatic itemization
  • Split expenses evenly, by share, or item by item
  • Integrated payment links for easy settlement
  • Support for multiple currencies
  • Clear and simplified debt breakdowns
  • Group history and synchronized data
Features
Read full description

Split the bill with friends in seconds. SplitPal is a bill splitter and shared-expense tracker for dinners, trips, roommates and anything you share: scan the receipt, split expenses, settle up. 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 or Revolut, plus copyable UPI IDs and 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

Cospender4 screens
SplitPal4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Cospender sells 1 in-app purchase, starting at $6.99 per year and SplitPal sells 3 in-app purchases, starting at $1.99 per month. 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 SplitPal. Both are backed by a comparable volume of ratings — 29 and 22 respectively. Written reviews are what separate them: 79% of Cospender's written reviews are positive against 81% of SplitPal's.

UpkeepUpdate frequency

Cospender ships an update every 3 weeks, SplitPal fortnightly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
Cospender versus SplitPal: the parameters behind the verdict, then further details
ParameterCospenderSplitPal
PriceFreeFree
Rating4.7 (29 ratings)4.7 (22 ratings) — better
Positive reviews79.0% of reviews81.3% of reviews — better
Number of ratings29 — better22
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS8.2 — better16.0
Further details — not scored
Size7 MB42 MB
Age rating4+4+
DeveloperStephan BorderaLegendary Bytes LLC

Customer experience

Cospender

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

SplitPal

All ratings22 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews16 reviews
Positive81.3%
Neutral0.0%
Negative18.8%

In-app purchases

1 purchases

Cospender

Subscriptions1
  • Cospender Premium One Year$6.991 Year
3 purchases

SplitPal

Subscriptions2
  • SplitPal Pro Monthly$1.991 Month
  • SplitPal Pro Yearly$14.991 Year
One-time1
  • SplitPal Pro Lifetime Access$39.99

Questions

Is Cospender free?
Cospender is free to download, with in-app purchases available.
Is SplitPal free?
SplitPal is free to download, with in-app purchases available.
Which has better reviews, Cospender or SplitPal?
SplitPal is rated higher. Cospender averages 4.7 out of 5 from 29 ratings, while SplitPal averages 4.7 from 22 ratings.
Do Cospender or SplitPal have ads?
Neither Cospender nor SplitPal shows ads.
Which is updated more often, Cospender or SplitPal?
Cospender ships an update every 3 weeks, and SplitPal fortnightly. Most recently, Cospender was updated on November 1, 2026 and SplitPal on November 3, 2026.

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