Best SettleCub alternatives: apps like SettleCub: Split Debts

10+ similar apps compared and reviewed

4.6 avg rating
10 free apps
Updated November 2026

Whether you want more options like SettleCub or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to SettleCub

OweMate: IOU & Who Owes Me#2

OweMate: IOU & Who Owes Me by WHITE DIGIT LLC

Lend, Borrow & AI Reminders
Strong Contender
๐Ÿ’ฐ Finance
5.0(4 ratings)
FreeAdsIn-App Purchases
OweMate: IOU & Who Owes Me screenshot 1
OweMate: IOU & Who Owes Me screenshot 2
OweMate: IOU & Who Owes Me screenshot 3
OweMate: IOU & Who Owes Me screenshot 4
OweMate: IOU & Who Owes Me screenshot 5
OweMate: IOU & Who Owes Me screenshot 6

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

Loan Tracker: You Owe Me#3

Loan Tracker: You Owe Me by IEVGENII IABLONSKYI

IOUs, Bills & Repayment Plans
Worth Considering
๐Ÿ’ฐ Finance
4.5๐Ÿ˜Š(357 ratings)
FreeIn-App Purchases
Loan Tracker: You Owe Me screenshot 1
Loan Tracker: You Owe Me screenshot 2
Loan Tracker: You Owe Me screenshot 3
Loan Tracker: You Owe Me screenshot 4
Loan Tracker: You Owe Me screenshot 5
Loan Tracker: You Owe Me screenshot 6

Easily track who owes what, from casual IOUs to complex loans with flexible repayment plans. Manage individual balances, set reminders, and share clear statements or live links without requiring the recipient to install the app.

What We Love

  • ๐Ÿ‘ Simple and easy to use
  • ๐Ÿ“ˆ Keeps records organized
  • ๐Ÿ’ก Developer is receptive to ideas
  • โœจ Improvements and adjustments made
  • ๐Ÿ’ฐ Ability to add interest
  • ๐Ÿ”„ Recurring charge function helpful
  • ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ Great for family loans
  • ๐ŸŽฏ Reminders and letters effective
  • ๐Ÿ’ฏ Highly recommended by users
  • ๐Ÿš€ Smooth app performance
  • ๐Ÿค Responsive and helpful developer
  • โœ… Intuitive interface
  • ๐Ÿงฎ Tracks loans and debts
  • ๐Ÿ“‚ Flexible editing of entries
  • ๐ŸŒŸ Fills a much-needed niche

Room to Improve

  • ๐Ÿ› Total owed calculation incorrect
  • ๐Ÿ› App freezes after data entry
  • ๐Ÿ› Data loss after updates/reinstalls
  • ๐Ÿ› Unable to see past entry details
  • ๐Ÿ› App not working after purchase
  • ๐Ÿ› UI is outdated and not intuitive
  • ๐Ÿ› In-app purchase issues
  • ๐Ÿ› Date selection off-screen
  • ๐Ÿ› Edits and save buttons not working
  • ๐Ÿ› Entries swapping categories
  • ๐Ÿ› Can't add more people after update
  • ๐Ÿ› Currency not showing
  • ๐Ÿ› No iPad support
  • ๐Ÿ› Can't add/subtract as running list
  • ๐ŸŽจ UI is too gray

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