Comparison

Splid vs Heypenny

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

Head to head
About

Splid

Easily track and settle group expenses for holidays, housemates, or relationships. Enter all costs and see who owes what, even with complex or multi-currency transactions. Works online and offline with no sign-up required.

Highlights
  • Track group expenses
  • Settle up easily
  • Online and offline functionality
  • Multi-currency support
  • PDF/Excel export
  • Handles complex transactions
Features
Read full description

Perfect for holidays, housemates or your relationship, Splid helps you to stay on top of your expenses and settle up in an easy, relaxed way. No more fiddling about with change, lost receipts, or disagreements about the balance. Simply enter all your expenses and Splid shows you who owes how much to whom. And the best thing: Splid works on and offline. Create an offline group and get settling up under control within seconds. Or, activate the sync to enter expenses together. It's simple, and there's no sign-up required. Even complicated bills can dealt with quickly and easily with Splid: – Emma paid the supermarket bill but Leo contributed $10? No problem. – Your expenses are in dollars but you want to settle up in euros? Done.  – Hannah had two more drinks than everyone else? Easy-peasy.  All features at a glance: (+) Clean interface that's super easy to use. (+) Share groups online (no sign-up needed). (+) Also works perfectly offline. (+) Download summaries as PDF or Excel* files that are easy to understand. (+) Choose from more than 150 currencies and let Splid automatically convert the amount. (+) Handles even complicated transactions (for example, adding multiple payees or splitting bills unequally). (+) You'll handle as few payments as possible because Splid always finds the easiest way to settle up.  (+) Find out how much your group has spent in total. *Excel export available via in-app purchase.

About

Heypenny

Effortlessly divide shared costs among friends, housemates, or travel companions. Scan receipts to itemize expenses, calculate individual balances including tip and tax, and easily settle up with integrated payment options. Offers offline functionality and multi-currency support for seamless group expense management.

Highlights
  • Scan and itemize receipts
  • Calculate individual balances
  • Tip and tax calculation
  • Group expense management
  • Venmo settlement integration
  • Multi-currency conversion
  • Offline functionality
Features
Read full description

Heypenny makes it easy to split expenses fairly. Perfect for happy hour friends, trip buddies, housemates, and other groups. Free features: • Scan a receipt and we’ll itemize it • Let friends pick what they got and we’ll calculate what they owe, tip + tax included • Share an image summary with the group chat • Figure out the tip quickly with suggestions of 15%, 18%, and 20% Premium features: • Create groups to settle up later • Bring your friends! Joining groups is free • Everyone in a group gets all features: → Scan receipts into groups → Create and edit expenses → Settle up on Venmo → Convert between 150+ currencies → Work offline and sync when you're online → Pay together as a couple or family → And more coming soon! Premium FAQ: https://heypenny.money/premium#faq We do all of this while keeping your data safe: • Your data is never sold or used for advertising • Receipts are scanned offline, directly on your device • We only collect the data we need to run the app Terms of Service: https://heypenny.money/terms-of-service

Screenshots

Splid4 screens
Heypenny4 screens

Verdict

The call

The clearest difference is ratings volume: Splid at 4K against Heypenny's 20. Heypenny's advantage is update cadence (every 3 weeks vs every 3 months). On price, rating, review sentiment and ads 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. Splid sells 2 one-off in-app purchases and Heypenny sells 2 in-app purchases, starting at $9.00 per 3 months. 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 — 4.9 for Splid against 5.0 for Heypenny. That said, the two scores are not equally well evidenced: Splid has 4K ratings behind it against 20, so its average is the more settled of the two. Written reviews are what separate them: 98% of Splid's written reviews are positive against 100% of Heypenny's.

UpkeepUpdate frequency

Splid ships an update every 3 months, Heypenny every 3 weeks. The most recent releases landed on October 17, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 8 level
Splid versus Heypenny: the parameters behind the verdict, then further details
ParameterSplidHeypenny
PriceFreeFree
Rating4.9 (4K ratings)5.0 (20 ratings) — better
Positive reviews98.1% of reviews100.0% of reviews — better
Number of ratings4K — better20
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better17.0
Further details — not scored
Size12 MB42 MB
Age rating4+4+
DeveloperNicolas JerschRyan Moelter

Customer experience

Splid

All ratings3,991 ratings
Positive98.7%
Neutral0.3%
Negative1.0%
Written reviews2,373 reviews
Positive98.1%
Neutral0.8%
Negative1.1%

Heypenny

All ratings20 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Splid

Reported bugs

2 issues
  • Incorrect expense split calculations
  • Inability to delete or edit past expenses

Requested features

5 requests
  • Add ability to attach receipts/photos
  • Implement recurring expense tracking
  • Improve currency conversion handling
  • Allow custom expense categorization
  • Provide more detailed expense reporting

Heypenny

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Splid

One-time2
  • 2 Groups$2.99
  • Splid Plus$3.99
2 purchases

Heypenny

Subscriptions2
  • Heypenny premium7 Days trial$9.003 Months
  • Heypenny premium7 Days trial$24.001 Year

Questions

Is Splid free?
Splid is free to download, with in-app purchases available.
Is Heypenny free?
Heypenny is free to download, with in-app purchases available.
Which has better reviews, Splid or Heypenny?
Heypenny is rated higher. Splid averages 4.9 out of 5 from 4K ratings, while Heypenny averages 5.0 from 20 ratings.
Do Splid or Heypenny have ads?
Neither Splid nor Heypenny shows ads.
Which is updated more often, Splid or Heypenny?
Splid ships an update every 3 months, and Heypenny every 3 weeks. Most recently, Splid was updated on October 17, 2026 and Heypenny on October 13, 2026.

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