Comparison

Zoho Payroll vs Settle

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Zoho Payroll

Access your salary, pay stubs, tax information, and time-off details. Manage your profile and contact your payroll administrator. Available for employees in India, Canada, the US, and UAE.

Highlights
  • View compensation details
  • Access pay stubs and earnings
  • Review tax information
  • Manage time off
  • Update personal profile
  • Contact payroll administrator
Features
Read full description

The Zoho Payroll Employee Portal app provides employees in India, Canada, the United States, and the United Arab Emirates with convenient access to essential salary information and other features. Key Features of US Edition: Compensations: View your compensation details at a glance. Pay Stubs & Earnings: Access pay stubs and earnings information conveniently. Tax Information: Stay informed about your tax-related details. Time Off: Stay informed about all your time off. Contact Payroll Admin: Send your queries to your payroll administrator easily. My Profile: Access and update your personal profile information.
 Key Features of Canada Edition: Compensations: View your compensation details at a glance. Pay Stubs & Earnings: Access pay stubs and earnings information conveniently. Tax Information: Stay informed about your tax-related details. Time Off: Stay informed about all your time off. Contact Payroll Admin: Send your queries to your payroll administrator easily. My Profile: Access and update your personal profile information. Key Features of UAE Edition: Pay Details: Access your salary, payslips, and year-to-date earnings with ease. Loans: Stay updated on your employer-provided loan information. Benefits Report: Explore your social security benefits report. Contact Payroll Admin: Send your queries to your payroll administrator easily. My Profile: Access and update your personal profile information. Key Features of INDIA Edition: Pay Details: Access your salary, payslips, and year-to-date earnings effortlessly. FBP: Manage your flexible benefit plan with ease. Reimbursements: Submit and claim business expense reimbursements seamlessly. Investments: Disclose your investment information. Form16: Access and download your form16 tax documents. Loans: Stay updated on your employer-provided loan information. Benefits Report: Explore employee provident fund (EPF), employee state insurance (ESI), and labour welfare fund (LWF) benefits report. Contact Payroll Admin: Send your queries to your payroll administrator easily. My Profile: Access and update your personal profile information. Key Features of UK Edition: Payslips: View any pay period and see how pay is calculated, including basic pay, pensions, loan repayments, PAYE and National Insurance, through to the take-home figure. Payslips can be downloaded as a PDF. Salary and pay: See how salary is structured, including pension contributions and any student loan, postgraduate loan or attachment of earnings, with a breakdown of earnings and deductions. Tax and National Insurance: View the tax code, National Insurance number and category, and pay and tax recorded to date in the current tax year. Annual earnings: View total earnings across the tax year, with net pay, tax, pensions and deductions summarised. Documents: Access payroll documents, including the P60 and P11D.   Profile: View workplace, personal, and payment details across three tabs. UK tax and HMRC compliance: The pay, tax and deductions shown are calculated and filed in line with HMRC requirements, including PAYE, National Insurance and Real Time Information (RTI). Figures follow current UK tax years, rates and thresholds, and are shown in pounds sterling using HMRC terminology. Contact your payroll admin: Reach the payroll admin directly with any questions about pay, tax or payroll.

About

Settle

Features
Read full description

Settle makes splitting money with friends effortless. Whether it's a trip, a shared flat, dinner, or a group gift, Settle keeps track of who paid, who owes what, and helps everyone square up — without the awkward math or the awkward reminders. SPLIT ANY EXPENSE • Add an expense in seconds and split it equally, by exact amounts, by percentage, or by shares. • Snap a photo of the receipt and keep it attached to the expense. • Organize costs into groups for trips, homes, or couples. SEE WHERE YOU STAND • A clear running balance for every group and every friend. • Understand who owes whom at a glance — no spreadsheets. • Spending charts and insights to see where the money went. SETTLE UP THE EASY WAY • Record settlements when someone pays you back. • Add your UPI ID so friends can pay you in a tap. BUILT TO FEEL GOOD • Fast, clean, and native — with a polished light and dark theme. • Optional Face ID lock to keep your balances private. • Works smoothly even when your connection drops. PRIVATE BY DESIGN • No ads. No tracking. No selling your data. • Sign in with Apple or Google. • Delete your account and data anytime, right from the app. Settle is a record-keeping tool — payments happen directly between you and your friends. Download Settle and never chase a balance again.

Screenshots

Zoho Payroll4 screens
Settle4 screens

Verdict

The call

Zoho Payroll and Settle are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.

ScorecardNo meaningful differences
Zoho Payroll versus Settle: the parameters behind the verdict, then further details
ParameterZoho PayrollSettle
PriceFreeFree
Rating4.5 (64 ratings) — better—
Positive reviews78.0% of reviews—
Number of ratings64 — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, Apple Watch — betteriPhone
Requires iOS17.017.0
Further details — not scored
Size118 MB31 MB
Age rating4+4+
DeveloperZoho CorporationYashvardhan Bhardwaj

In-app purchases

None

Zoho Payroll

No in-app purchases

None

Settle

No in-app purchases

Questions

Is Zoho Payroll free?
Zoho Payroll is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Zoho Payroll or Settle have ads?
Neither Zoho Payroll nor Settle shows ads.
Which is updated more often, Zoho Payroll or Settle?
Zoho Payroll ships an update every 3 weeks, and Settle every 3 weeks. Most recently, Zoho Payroll was updated on October 24, 2026 and Settle on October 19, 2026.

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