# 有拖冇欠 SettleUp — Easily splitting expenses

> Easily splitting expenses (iPhone/iPad app by Kwok Tim Chan.)

- Source: https://appshunter.io/ios/app/settleup/id6747300980 (this page in markdown: same URL + `.md`)
- Developer: [Kwok Tim Chan](https://appshunter.io/developer/1511362732)
- Category: Utilities, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.5 · 66 MB
- Languages: English
- Released: 2026-04-17
- Data updated: 2026-07-29
- User reviews in markdown: https://appshunter.io/ios/app/settleup/id6747300980/reviews.md

## What is 有拖冇欠 SettleUp?

- Create virtual ledgers to record all transactions in a clear manner
- Rapid creation of transaction records by receipt images or speech, powered by Google Gemini AI
- Share ledgers online with friends, record transactions collaboratively, and assign access rights to each friend
- Ledgers can be stored and used offline in case no internet connection is available, and upload back online later
- Support more than 160 currencies, fetching latest exchange rates online, or specify your own rates for each transaction
- Transactions in a ledger can be in different currencies, auto-conversion to settlement currency by app
- More than one payer is possible in a transaction, each payer may pay different amounts or even in different currencies
- Ways to share among participants in a transaction: by proportion, by percentage, or by exact amount. Each transaction has its own way of share
- Different proportion, percentage or exact amount may be specified for sharing by each participant in a transaction
- Automatically calculate repayment steps in the simplest way
- Generate FPS QR code to facilitate repayment (only for settlement currency in Hong Kong Dollar or Renminbi)
- Statistics on daily expenditure, expenditure by participants/transaction categories available as charts (only in upgraded version)
- Statistical data and raw data in ledgers can be exported as Excel files (only in upgraded version)
- Maximum 3 ledgers in free version. No limit in number of ledgers in upgraded version
- App created by a local Hongkonger. Cantonese/English language interfaces and light/dark modes available


## Version history (last 5 releases)

### 2.0.11 — 2026-07-29

Updated billing system

### 2.0.10 — 2026-07-20

Enhancement to user interface: now you can swipe right on a transaction in the transaction list of a ledger to duplicate or delete it. Other minor user interface enhancements.

### 2.0.9 — 2026-07-19

Enhancement to user interface: now you can swipe right on a transaction in the transaction list of a ledger to duplicate or delete it

### 2.0.8 — 2026-06-24

Upgrade Google Gemini AI model to 3.1 flash lite

### 2.0.7 — 2026-04-17

Corrected error in ledger Excel export

## More apps by Kwok Tim Chan

- [TENS - the bubble game](https://appshunter.io/ios/app/tens-the-bubble-game/id1511362733)
- [Ant Sandbox](https://appshunter.io/ios/app/ant-sandbox/id1555834752)
- [Pyrowar](https://appshunter.io/ios/app/pyrowar/id1565723584)
- [Irish Snap](https://appshunter.io/ios/app/irish-snap/id1576861871)
- [Cardius](https://appshunter.io/ios/app/cardius/id1599871023)
- [Remorse - escape game](https://appshunter.io/ios/app/remorse-escape-game/id1629199989)

All apps by Kwok Tim Chan: https://appshunter.io/developer/1511362732

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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 2026-07-29.*