# Setto: Expense Sharing — Split expenses. Nudge & settle

> Split expenses. Nudge & settle (iPhone/iPad app by Arun Dhaduti.)

- Source: https://appshunter.io/ios/app/setto-expense-sharing/id6798785511 (this page in markdown: same URL + `.md`)
- Developer: [Arun Dhaduti](https://appshunter.io/developer/6798785513)
- Category: Finance, Social Networking
- Price: Free
- Age rating: 4+
- Requires: iOS 15.5 · 150 MB
- Languages: American English, French (France), German (Germany), Polish
- Released: 2026-08-22
- Data updated: 2026-10-08
- User reviews in markdown: https://appshunter.io/ios/app/setto-expense-sharing/id6798785511/reviews.md

## What is Setto?

Split expenses with friends, roommates, and travel groups — without awkward money chats.

Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers.

WHY SETTO
• Apple Watch: log expenses and check balances from your wrist
• Split any way: equal, percentage, exact amounts, or custom shares
• Smart debt simplification across all your groups
• AI entry: type naturally or use voice (“dinner 40 with Sam”)
• On-device receipt scan — merchant and amount, privately on your phone
• Nudge friends politely when something’s still open
• Real-time activity feed for expenses, edits, and settlements
• Cross-group balances so you always know the full picture
• Offline-ready — add and view expenses, sync when you’re back
• Reports: monthly charts, categories, PDF/CSV export
• Trip mode: budgets, default splits, multi-currency
• Recurring expenses for rent, subscriptions, and regular bills
• Settle with the payment apps you already use (including UPI where available)

Free to start. Create a group, log the first expense, and stop chasing people in the chat.


## Version history (last 5 releases)

### 1.0.26 — 2026-10-03

- Minor bug fixes.

### 1.0.25 — 2026-10-02

- Minor bug fixes

### 1.0.24 — 2026-10-01

Trip Wrap is here - end a trip and get a fun, shareable recap of what you spent together. Plus meet Slip, Setto's new mascot.

### 1.0.23 — 2026-09-29

- Minor bug fixes

### 1.0.22 — 2026-09-24

- Log expense from the home screen — Long-press the Setto icon and tap Log expense to jump straight into adding a split (uses your pinned group when set).
- Clearer Balances — Suggested payments are listed by group, with the group name on each row, so you can see exactly what to settle where.
- More you can do offline — Create a group and add or remove guests without a connection; everything syncs in the right order when you’re back online.
- Smoother guest names — Newly added guests show up correctly on Balances instead of briefly looking like “Removed guest.”
- Reliability polish — More stable offline sync and fewer false crash reports when the network blips.

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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 2026-10-08.*