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Splitwise VS Utterly App

Compare Splitwise VS Utterly App and see what are their differences

Splitwise

Splitwise is a free tool for friends and roommates to track bills and other shared expenses, so that everyone gets paid back. On the web, iPhone, and Android!

Rating
0 reviews
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Utterly App

100% on-device AI transcription app. 26 languages, fully offline, completely private. No cloud, no compromise. Start Free on iPhone, iPad, and Mac, lifetime plan, Family sharing, unlimited transcription

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0 reviews
Pricing
Freemium Free trial $49.99 / One-off (Unlimited Offline Transcription and Dictation)
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Tokino
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Note: These products don't have any matching categories. If you think this is a mistake, please edit the details of one of the products and suggest appropriate categories.

Which is more popular?

Personal Finance popularity
100% vs 0%
alternatives listed
240+ vs 58

Base details

Website, pricing, platforms and company facts side by side.

Splitwise
Utterly App
Website splitwise.com utterlyapp.com
Pricing —
Freemium Free trial $49.99 / One-off (Unlimited Offline Transcription and Dictation) Official pricing
Company — Startup from the United States · 2026
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Finance +1
Offline Dictation Transcription Video Transcription Audio Transcription Live Captions Mac Dictation Productivity Voice To Text Speech To Text AI Localization AI Transcription +9

About Splitwise and Utterly App

In their own words, as submitted to SaaSHub.

Splitwise
Utterly App

No description of Splitwise yet.

Utterly brings fast, private speech-to-text to iPhone, iPad, and Mac. It runs fully on device with no accounts or cloud, supporting 26 languages for meetings, lectures, interviews, and notes. Use live transcription and captions, dictate polished text, or transcribe audio or video files and system...

Read more about Utterly App

Features and specs

What each product offers, as listed by its team.

Splitwise 7 features
Utterly App 13 features
  • User-Friendly Interface
    Splitwise provides an intuitive and easy-to-navigate interface, making it straightforward for users to add expenses, keep track of debts, and settle up.
  • Multi-Platform Availability
    Available on the web, iOS, and Android, Splitwise ensures users can access and manage their expenses from almost any device.
  • Expense Tracking
    The app allows users to easily log and categorize expenses, which can be particularly useful for group trips, shared households, or any shared financial responsibility.
  • Flexible Split Options
    Users can split expenses equally, by percentages, shares, or custom amounts, providing flexibility in how costs are divided among group members.
  • Currency Conversion
    Splitwise supports multiple currencies, which is handy for international travel or groups with members from different countries.
  • Bill Reminders
    The app sends reminders for outstanding balances, helping users to stay on top of their payments and avoid forgotten debts.
  • Integration with Payment Platforms
    Splitwise can integrate with payment platforms like PayPal and Venmo for easy settlement of balances.

Possible disadvantages

  • Privacy Concerns
    Since Splitwise involves sharing financial information with others, there could be privacy concerns for those unwilling to share detailed expense data.
  • Subscription-Based Features
    Some advanced features, such as expense exporting and additional integrations, require a Splitwise Pro subscription.
  • Manual Entry Requirement
    Splitwise requires users to manually enter expenses, which could be time-consuming and prone to errors if not done diligently.
  • Limited Automatic Reconciliation
    While Splitwise helps track who owes whom, it does not automatically reconcile or pay off balances, leaving users responsible for manual payment.
  • Dependency on Group Honesty
    The accuracy of the expense records relies on the honesty and diligence of all group members, which may not always be reliable.
  • Potential for Confusion
    The various options for splitting bills (equally, by shares, etc.) can sometimes lead to confusion or disputes among users over what is fair.
  • Live Captions
    Real-time speech-to-text displayed as a live, scrolling transcript on your device
  • System Audio Transcription (Pro)
    Transcribe any audio playing on your Mac — meetings, podcasts, videos, calls.
  • Dual Audio Mode (Pro)
    Capture microphone and system audio simultaneously in side-by-side columns.
  • Unlimited File Transcription (Pro)
    Transcribe unlimited audio and video files. Free users get 3.
  • Dictation
    Speak to type into any app. Text is refined offline and inserted at the cursor.
  • Fn Key Gestures
    Hold Fn to dictate (push-to-talk) or double-tap to toggle hands-free mode.
  • File Transcription
    Transcribe audio and video files locally with word-level timing and progress
  • Drag & Drop
    Export transcripts as plain text, SRT subtitles, or WebVTT captions
  • Transcript Search
    Search within file transcripts with highlighted results and segment filtering.
  • 26 Languages
    26 languages with automatic on-the-fly detection and switching.
  • 100% On-Device
    All processing runs locally on the Neural Engine. No data ever leaves your device.
  • Share Extension
    Share audio files from other apps (WhatsApp, Telegram, Files) to transcribe.
  • Keep Onscreen
    Pin the Live Captions window above all other windows during meetings.

Analysis

An editorial look at what each product does well and who it suits.

Splitwise
Utterly App

Overall verdict

  • Splitwise is a highly effective tool for managing shared expenses, especially if frequent splitting of costs is involved. Its features make it easy to track who owes what, and its automatic calculations save time and reduce errors.

Why this product is good

  • Splitwise is popular because it simplifies sharing and tracking expenses among groups, making it ideal for roommates, friends on trips, or any group spendings.
  • It automatically calculates balances and reminds users about payments, reducing the awkwardness of asking others for money.
  • Offers a user-friendly interface both on web and mobile apps, which makes managing expenses convenient and accessible.
  • Supports multiple currencies, which is great for international travel groups.
  • Integration with payment platforms like PayPal and Venmo for easy settlement of debts.

Recommended for

  • Roommates who need to regularly split household bills and expenses.
  • Groups of friends or families who often travel together and need to manage shared travel costs.
  • Colleagues or classmates working on projects or events that require shared funding.
  • Anyone who wants to avoid the hassle of manually tracking and settling shared expenses.

Overall verdict

  • Utterly App appears to be a lesser-known productivity/note-taking tool with limited public information, reviews, or track record available, making it difficult to fully vouch for its quality or long-term reliability compared to more established alternatives.

Why this product is good

  • May offer a simple, focused feature set for specific note-taking or organizational needs
  • Could provide a lightweight alternative to bloated productivity apps
  • Potentially useful if it fills a specific niche not covered by mainstream tools

Recommended for

  • Users specifically seeking niche or minimalist tools who have already vetted the app firsthand
  • Early adopters comfortable trying lesser-known apps with limited reviews
  • Those who prioritize trying new or indie software over established, well-reviewed alternatives

Videos

Walkthroughs and reviews on video.

Splitwise 3 videos + Add
Utterly App 0 videos + Add

Splitwise - iPhone App Review! [2020]

More videos

  • - Tricount vs Splitwise - App comparison
  • - Splitwise Demo

No Utterly App videos yet. You could help us improve this page by suggesting one.

Category popularity

How often each product is chosen within a category, 0–100% relative to the other.

Score bands 0–20 21–40 41–50 51–60 61–100
Splitwise
Utterly App
100% 100%
Personal Finance
0% 0%
0% 0%
Transcription
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
Offline Dictation
100% 100%

Questions & Answers

As answered by people managing Splitwise and Utterly App.

What makes your product unique?

Utterly App's answer:

Utterly is one of very few transcription apps that runs entirely on-device with zero cloud dependency. Every word is processed locally on Apple's Neural Engine — no audio ever leaves your device, no account required, no internet needed.

It delivers real-time live captions, voice dictation, and file transcription in a single app, supporting 26 languages with automatic switching. Most competitors sacrifice either privacy, speed, or accuracy. Utterly doesn't compromise on any of the three.

Why should a person choose your product over its competitors?

Utterly App's answer:

  • Privacy — Unlike Otter.ai, Rev, or cloud-based Whisper tools, your audio never touches a server. Critical for confidential meetings, medical conversations, or anyone who values privacy.
  • Speed — Real-time streaming transcription, not batched processing. Words appear as they're spoken.
  • Versatility — Live captions for meetings, dictation that inserts text at your cursor in any app, and file transcription with word-level timestamps and subtitle export — all in one lightweight app.
  • No lock-in — Works fully offline, no account needed, and free users get meaningful functionality without a paywall blocking basic use.

How would you describe the primary audience of your product?

Utterly App's answer:

  • Deaf and hard-of-hearing users who rely on live captions for meetings, calls, and daily conversations
  • Remote workers who want searchable records of video calls without trusting a third party with their audio
  • Journalists, researchers, and students who transcribe interviews and lectures
  • Multilingual professionals who switch between languages throughout their day
  • Privacy-conscious users in healthcare, law, and finance where audio data simply cannot leave the device

What's the story behind your product?

Utterly App's answer:

Utterly started with a real person's need. The founder and his wife run an online language school, and one of their students was partially deaf — she relied on lip reading and asked if they could provide "subtitles" for the lessons.

Looking for a solution, nothing available met all three requirements: private, fast, and accurate. Most tools managed two out of three.

Knowing the field had advanced significantly with on-device neural models, the founder decided to build something that satisfied all three — and Utterly was born. That student says it changed her life, and she now uses live captions daily for remote work too.

That's the bar the app is built to meet: technology that meaningfully changes how people communicate.

Which are the primary technologies used for building your product?

Utterly App's answer:

  • Swift & SwiftUI — Native Apple experience across macOS and iOS
  • CoreML on Neural Engine — optimised AI model running locally for real-time inference
  • Zero cloud dependencies — No networking stack, no cloud APIs, no telemetry SDKs

User comments

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Reviews and articles

External articles and on-site reviews we used to compare the two products.

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