# Settle Up - Group Expenses

> App for tracking shared expenses and IOUs among groups. (iPhone/iPad app by Step Up Labs, Inc..)

- Source: https://appshunter.io/ios/app/settle-up-group-expenses/id737534985 (this page in markdown: same URL + `.md`)
- Developer: [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.80/5 from 1,682 App Store ratings · 387 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 85 MB
- Languages: American English, Albanian, Arabic, Catalan, Czech, Danish, Dutch, Finnish, French (France), German (Germany) and 14 more
- Released: 2013-12-18
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews.md

## What is Settle Up?

Settle group expenses without the stress.

Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner? 
Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun.
Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances!

WHY SETTLE UP?
– Split anything: Whether it’s an even split, unequal weights, or multiple people paying for one item, we handle every real-life scenario.
– Smart settlements: Our unique algorithm calculates the fewest possible transfers to settle all debts, saving you time and transaction fees.
– Works everywhere: Sync data across other platforms. No internet? No problem — it works offline and syncs when you’re back.
– No app required: Share a group link so friends can view the balance in their browser without downloading anything.

POWERFUL FEATURES FOR REAL LIFE
– Global ready: Supports all currencies with real-time exchange rates for international travel.
– Ultra-fast sharing: Invite friends via a simple link or a QR code.
– Export & reports: Need a deep dive? Export your data to CSV for easy accounting.
– Instant transparency: Get notified the second someone adds an expense or settles up. Settle Up will even remind group members automatically and nudge them to settle their debts.

UPGRADE TO PREMIUM FOR THE FULL EXPERIENCE
Unlock the tools designed for power users and frequent travelers:
– Ad-free: Focus on your finances without distractions.
– Receipt photos: Snap and store bills directly in the group.
– Recurring & future expenses: Automate rent, subscriptions, and utility bills.
– Custom categories: Organize your spending with colorful, personalized labels.
– Export to Excel: Get a full expense report in a spreadsheet.
– Statistics: View charts on spend by categories and members.

Stop worrying about the math. Start enjoying the moment.
Download Settle Up today and sail through your next group expense!

Visit our Terms of Service and Privacy policy at: https://settleup.io/tos.html

## Key features

- Track shared expenses
- Manage IOUs
- Handle complex splits
- Multiple payers support
- Offline functionality
- Real-time exchange rates
- Data export

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Group Premium | $39.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 2 months | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |


## What do users think of Settle Up?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings
- 👍 Useful for roommate/house expense tracking

**Cons**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login
- 👎 Inconsistent syncing and data issues

**Commonly reported bugs**

- Expense details disappearing
- Inability to create new groups
- Keyboard issues on iOS 8
- Incompatibility with iPad

**Most requested features**

- Ability to assign fixed amounts to group members
- Option to adjust expense shares (e.g. exclude certain items)
- Support for paying groups (multi-family events)

## Recent user reviews (10 of 387)

All indexed reviews: https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews.md

### 5/5 — Amazing app

*2026-07-31, version 3.17.0*

This is one of the most amazing app which lets us settle all our expenses without any hassle

### 5/5 — Settle Up

*2026-07-26, version 3.17.0*

Nejlepší aplikace pro cestování s přáteli!

### 1/5 — Way too expensive

*2026-07-26, version 3.17.0*

I can’t believe the Premium Group Lifetime plan is almost 4x more expensive. That’s insane.

### 1/5 — No permite separar los gastos

*2026-07-14, version 3.17.0*

No permite meter los gastos de manera que si solo has pagado algo para parte del grupo se aplique de esa manera y no por defecto para todos

### 1/5 — Annoying

*2026-07-05, version 3.17.0*

Your web interface is not good and I don’t want another app crowding my device. Make your web interface better so I don’t have to download this cluttersome app.

### 5/5 — Sugerencia de mejoras

*2026-06-29, version 3.16.4*

Llevo mucho tiempo usando la aplicación y en general estoy muy contento: me gustaría sugerir que sea posible realizar subgrupos de los miembros a fin de poder simplificar el saldo de deudas. Esto es útil para grandes grupos formados por familias, donde en realidad todas las deudas de una familia (subgrupo) son asumidas por un miembro principal. Gracias!

### 1/5 — Sending promotional notifications without consent

*2026-06-27, version 3.16.4*

I did not consent to get promotional notifications and neither am I able to opt out.

### 1/5 — 付費跟沒有付費後的差異

*2026-06-13, version 3.16.3*

付費後，我可以透過拍照去記錄收據，如果你們提供一個優惠是當我介紹的朋友有幾位之後可以讓我自己開啟一些功能，讓我開啟拍照功能要記錄收據，但我不時刻的就有可能上傳無法成功，不管怎麼做都無法成功，今天同一張照片我拍照了數十次，就是沒有紀錄成功，如果你們上傳有限制，那就不要提供這個功能

### 5/5 — Pomocník

*2026-06-10, version 3.16.3*

Je to super. Určitě doporučuji placenou verzi. Zaslouží si to.

### 3/5 — ok

*2026-06-10, version 3.16.3*

ok but getting ads after every entered expense which is excessive.

## Frequently asked questions about Settle Up

### What does Settle Up do?

Settle Up is an application designed to help you track shared expenses and manage IOUs within groups. It's ideal for situations like traveling with friends, sharing a flat, or organizing events, simplifying the process of knowing who owes whom.

### What are the key features of Settle Up?

Key features include tracking expenses and IOUs, handling complex splits like multiple payers or weighted shares, managing incomes, adding items from bills, working offline, supporting all currencies with real-time exchange rates, and minimizing the number of transfers needed.

### How much does Settle Up cost?

The app is free to download and use, offering core features for managing group expenses. For an enhanced experience, including an ad-free interface, receipt photos, custom categories, and recurring transactions, users can opt for a Premium subscription.

### Is Settle Up compatible with different devices?

Yes, Settle Up works on all platforms, meaning you can use it across various devices. It also offers offline functionality, so you can track expenses even without an internet connection.

### When would I use Settle Up?

You would use Settle Up for any situation where expenses are shared among multiple people. This includes splitting bills with flatmates, tracking shared costs during a group trip, managing shared household expenses, or organizing payments for an event.

## Version history (last 5 releases)

### 3.17.0 — 2026-06-30

- Reworked receipt upload and display. Now with PDF receipts preview.

### 3.16.4 — 2026-06-20

- Fixed member selection when multiple people paid
- Stability improvements

### 3.16.3 — 2026-06-03

- Fixed initial Who paid member
- FIxed when trial is promised when purchasing Individual Premium

### 3.16.2 — 2026-05-07

- Stability & design improvements

### 3.16.1 — 2026-04-14

- Stability & design improvements

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## Related topics

[settle up](https://appshunter.io/ios/topics/settle-up) · [group expense tracker](https://appshunter.io/ios/topics/group-expense-tracker) · [splid](https://appshunter.io/ios/topics/splid) · [settle](https://appshunter.io/ios/topics/settle) · [group expenses](https://appshunter.io/ios/topics/group-expenses) · [settlr](https://appshunter.io/ios/topics/settlr) · [cost sharing](https://appshunter.io/ios/topics/cost-sharing) · [split expenses pro tracker](https://appshunter.io/ios/topics/split-expenses-pro-tracker) · [acasa](https://appshunter.io/ios/topics/acasa) · [bill splitting](https://appshunter.io/ios/topics/bill-splitting) · [expense sharing](https://appshunter.io/ios/topics/expense-sharing)

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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 2026-08-27.*