Best Bill Splitting App
The best bill splitting app is one that's fast, fair, and doesn't require everyone to download something new. Loot is the only bill splitting app that works natively inside iMessage.
App Comparison
| Feature | Loot | Splitwise | Settle Up |
|---|---|---|---|
| iMessage integration | ✓ | ✗ | ✗ |
| Friends don't need the app | ✓ | ✗ | ✗ |
| Receipt scanning (OCR) | ✓ | ✓ | ✗ |
| Itemized splitting | ✓ | ✓ | ✓ |
| Apple Pay settlement | ✓ | ✗ | ✗ |
| Group balance tracking | ✓ | ✓ | ✓ |
| Free (no premium tier) | ✓ | ✗ | ✓ |
| Setup time | 14 sec | ~2 min | ~2 min |
The Verdict
If you want the simplest, fastest bill splitting experience, Loot wins. It works where your conversations already happen — inside iMessage. No downloads, no accounts, no friction.