Comparison

Splid vs Peony

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

Peony

Track and plan household budgets with ease. This app provides a clear overview of your finances, helping you manage spending, bills, and savings goals without complex spreadsheets or bank logins.

Highlights
  • Easy transaction adding
  • Safe to spend indicator
  • Bill and paycheck posting
  • Savings goal tracking
  • Household budget sharing
  • Home screen widgets
  • Web browser access
Features
Read full description

Peony is an easy to use budget tracker and planner for households. It makes adding new transactions easy, and shows you what's safe to spend for the month. Peony posts your bills and paychecks for you, and keeps your savings goals in view. No spreadsheets, no bank logins, no jargon. The Essentials - Free Forever - Safe to spend: one number that tells you how you're doing - The Activity view, with flexible search and filters - Unlimited categories with monthly targets - Split purchases, category recommendations, and month-end carryover - Up to 5 each of recurring bills and paychecks, savings goals, and cards or accounts - Backup and restore, Face ID lock, and bill reminders - The Default, Default (Dark) and Auto themes Peony Plus One subscription covers your whole household. Everyone that joins your household gets Plus too, on their own devices, and never has to pay. - Share your budget: invite a partner, a roommate, or anyone you share a budget with - Year to Date and Trends, with what changed this month in plain English - Home Screen widgets - Peony in your web browser, with the same account - Unlimited recurring items, savings goals and accounts - Goal dates, with a monthly savings plan to get there - Every theme, custom themes and fonts, and effects - CSV export of any month Household sharing requires Peony Plus. Without it, a household is limited to one person. If Plus ends, nothing you made goes away: everyone stays in the household, bills keep posting, and your savings and accounts stay put. Peony Plus is available as a monthly or a yearly subscription. The yearly plan includes a one-month free trial for new subscribers. Payment is charged to your Apple ID at confirmation of purchase, or when the free trial ends. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the end of the current period. Manage or cancel it in your Apple ID's Subscriptions settings. Any unused portion of a free trial is forfeited when you subscribe. Private and Secure By Design: No ads, no analytics, no tracking, and Peony never asks for a bank password. Your budget is shared only with the people you invite. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.peonybudget.com/privacy Support: https://www.peonybudget.com/support

Screenshots

Splid4 screens
Peony4 screens

Verdict

The call

The clearest difference is update cadence: Peony at daily against Splid's every 3 months. Peony also leads on device support (3 vs 1). Splid's advantage is ratings volume (4.2K vs 2). On price, rating, ads and in-app purchases 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 Peony sells 2 in-app purchases, starting at $3.99 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 — 4.9 for Splid against 5.0 for Peony. That said, the two scores are not equally well evidenced: Splid has 4.2K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Splid ships an update every 3 months, Peony daily. The most recent releases landed on November 11, 2026 and November 6, 2026 respectively.

Scorecard3 real differences · 7 level
Splid versus Peony: the parameters behind the verdict, then further details
ParameterSplidPeony
PriceFreeFree
Rating4.9 (4.2K ratings)5.0 (2 ratings) — better
Positive reviews98.1% of reviews—
Number of ratings4.2K — better2
Update frequencyEvery 3 monthsDaily — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size12 MB18 MB
Age rating4+4+
DeveloperNicolas JerschJacob Davis

Customer experience

Splid

All ratings3,991 ratings
Positive98.7%
Neutral0.3%
Negative1.0%
Written reviews2,413 reviews
Positive98.1%
Neutral0.8%
Negative1.2%

Peony

All ratings2 ratings
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

Peony

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

Peony

Subscriptions2
  • Peony Plus Monthly$3.991 Month
  • Peony Plus Yearly1 Month trial$24.991 Year

Questions

Is Splid free?
Splid is free to download, with in-app purchases available.
Is Peony free?
Peony is free to download, with in-app purchases available.
Which has better reviews, Splid or Peony?
Peony is rated higher. Splid averages 4.9 out of 5 from 4.2K ratings, while Peony averages 5.0 from 2 ratings.
Do Splid or Peony have ads?
Neither Splid nor Peony shows ads.
Which is updated more often, Splid or Peony?
Splid ships an update every 3 months, and Peony daily. Most recently, Splid was updated on November 11, 2026 and Peony on November 6, 2026.

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