# Defray: Split Bills & Expenses — Share costs with friends

> Share costs with friends (iPhone/iPad app by Theodoros Tsakalos.)

- Source: https://appshunter.io/ios/app/defray-split-bills-and-expenses/id6762055449 (this page in markdown: same URL + `.md`)
- Developer: [Theodoros Tsakalos](https://appshunter.io/developer/1774656536)
- Category: Finance, Travel
- Price: Free
- Age rating: 4+
- Requires: iOS 15.6 · 113 MB
- Languages: American English
- Released: 2026-07-16
- Data updated: 2026-10-28

## What is Defray?

Defray splits bills between friends, flatmates and travel groups, and it's free. No ads, no subscription, no "upgrade to add more than three expenses today". Nothing is locked behind a paywall.

Only you need the app. Send your group a link and everyone else can open it in any browser to see what they owe and add what they paid. No download, no account, no password.

ON A TRIP
Five of you in Lisbon. Daniel pays 210€ for the farewell dinner, you buy the tram tickets, Lena pays for the gin at the duty-free in pounds. Everyone adds what they paid, from the app or from the link. Defray keeps a running balance for each person, converts the pounds at the live rate, and at the end works out the fewest transfers that square everyone up.

No signal on the ferry? Add the expense anyway. It's saved on your phone and syncs as soon as you're back online.

AT HOME
Rent, electricity, internet, the cleaner every two weeks. Set each one up once as a recurring expense and Defray adds it on the right day, split the way you chose.

WHAT YOU GET
Splitting: equally, by exact amounts, by percentage or by shares. Add an extra on top for one person when someone ordered the lobster.
Currencies: mix currencies in one group, use live exchange rates or type your own, and convert what someone owes in one tap.
Settling up: who owes whom across all your groups, debt simplification, and payments you sent or received.
Receipts: attach photos or videos to any expense.
Categories: picked from the title as you type, or make your own.
Guests: add people who don't use Defray and keep track of their share. They can claim an account later and keep their history.
Chat: a group chat in every group, plus direct messages, with photos, voice messages, @mentions and reactions.
Planning: shared notes and checklists, pinned places on a map, the weather where you're going, a shared calendar with reminders, and a photo wall.
Stats: spending by category, by person and by month.
Personal expenses: log your own spending with no group at all.
Notifications when someone adds an expense or pays you back.

If you've been tracking who owes what in a notes app, a spreadsheet or the group chat, Defray replaces all three.

Good for holidays and weekends away, shared flats, couples, festivals, stag and hen dos, team lunches, and anything else where money goes into one pot and comes out unevenly.

## Is Defray safe?

Not enough ratings yet to assess Defray.

## Is Defray legit?

Defray: Split Bills & Expenses has limited verification signals. The AppsHunter Legitimacy Score for Defray is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 3.0.0 — 2026-10-27

Settlr is now Defray: new name and icon, same account and data.

• Recurring expenses: set up rent and bills once, they add themselves
• A clearer view of how simplified debts add up
• New colours, new font, and a long list of fixes

### 2.1.0 — 2026-09-29

- Web access is here! Your friends no longer need to download the app to join in — share a group link and they can view balances and add expenses or payments straight from their browser. No account, no password, no excuses for not paying you back.

- Killed some bugs. The app is cleaner now.

### 2.0.0 — 2026-09-25

Liquid Glass is here, because your expenses deserve to look expensive.
Added daily spending totals, so you can see exactly where the money went each day.
Custom group tab ordering - chaos is optional.
Smoother performance and notifications, with some under-the-hood magic to keep things snappy.
Sent a few bugs to the shadow realm.

### 1.1.2 — 2026-09-08

New features have entered the building. A few bugs have been shown the exit.

### 1.1.1 — 2026-08-29

Reduced the local bug population

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## More apps by Theodoros Tsakalos

- [Sundry Marketplace](https://appshunter.io/ios/app/sundry-marketplace/id6737113628)

All apps by Theodoros Tsakalos: https://appshunter.io/developer/1774656536

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-28.*