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Netflix vs Philo

Netflix costs less per seat — $4.50 against $8.33, once the plan is split.

Netflix Philo
Cheapest plan $8.99 $25
Best plan to split Standard with ads Essential
Per seat $4.50 $8.33
Seats 2 3
Streams at once 2
Sharing Household only Household only
Extra member $7.99/mo
Free trial 7 days

Netflix

The vendor limits this subscription to one household; people outside it can be added for $7.99 each.

What their terms actually say
A Netflix account is for people who live together in a single household. https://help.netflix.com/en/node/24926
Your plan determines how many extra member slots you can add. https://help.netflix.com/en/node/24926
Plan prices and extra member eligibility may vary if you have Netflix through a package or add-on. https://help.netflix.com/en/node/24926
You may also be able to use the Netflix service as a profile user under an Account Owner’s subscription, provided you are part of the same household, or as an Extra Member if you do not live in the same household as the Account Owner. https://help.netflix.com/legal/termsofuse
You must be at least 18 years of age to create a Netflix account or to become an Extra Member. https://help.netflix.com/legal/termsofuse
The Netflix service and any content accessed through it are for your personal, non-commercial use only and may not be shared with anyone outside of your household unless you purchased an Extra Member account. https://help.netflix.com/legal/termsofuse
Subject to these Terms and only to the extent you are expressly authorised, we grant you a limited, non-exclusive, non-transferable right to access the Netflix service. https://help.netflix.com/legal/termsofuse
Where permitted by the Account Owner’s subscription plan, the Account Owner may purchase an Extra Member account, authorising a person outside of the Account Owner’s household (the “Extra Member”) to access the Netflix service under the Account Owner’s subscription and subject to these Terms of Use. https://help.netflix.com/legal/termsofuse
Everything on Netflix

Philo

The vendor limits this subscription to one household at the same address.

What their terms actually say
Other members of your household living at the same address that are at least 18 years old may create profiles connected to your Account. https://www.philo.com/about/terms
Scope of License: The license granted to you for the Philo App is a non-transferable license to use the Philo App on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the App Store Terms of Service, except that the Philo App may be accessed, acquired, and used by other accounts associated with the purchaser via Family Sharing or volume purchasing. https://www.philo.com/about/terms
Everything on Philo

Both sides are read from the vendors' own pages and stored with the date and the wording. Prices change without notice; follow the source links on each service's page before relying on one.