Comparison

Dime vs Settle

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

Head to head
About

Dime

This app helps you monitor your spending and manage your finances effectively. It offers insightful breakdowns of your expenditures, allows you to create and stick to budgets, and provides custom reminders to log expenses. Secure your financial data with biometric authentication and enjoy a beautifully designed interface.

Highlights
  • 100% free forever
  • Insightful expenditure breakdowns
  • Budget creation and tracking
  • Recurring expense management
  • iCloud sync across devices
  • Custom expense input reminders
  • Biometric data protection
Features
Read full description

Why You’ll Love Dime: • 100% free forever, with no paywall or ads. • Beautifully iOS-centric design, with simplicity at its core. • Insightful expenditure breakdowns over various time periods. • Create budgets based on expense categories and stick to them. • Create recurring expenses with custom time frames. • Sync your expenses, categories and budgets with other devices via iCloud. • Custom reminders to input your expenses. • Biometric authentication to protect your data. • Home screen quick actions make capturing new expenses a breeze. • A gorgeous night theme for dark mode fanatics. • Informative home and lock screen widgets keep you updated at a glance. Dime was built by a solo student developer looking to kickstart his programming journey. If you have any questions or feedback, feel free to get in touch through the app or via Instagram @camerafael. Start monitoring your expenditure and take ownership over your finances with Dime.

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

Dime4 screens
Settle4 screens

Verdict

The call

The clearest difference is in-app purchases: Settle at none against Dime's 3. Dime's advantage is iOS requirement (15.0 vs 17.0). On price, update cadence, ads and device support there is nothing between them.

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. Dime sells 3 one-off in-app purchases. Settle asks for nothing beyond the download.

UpkeepUpdate frequency

Dime ships an update every 3 weeks, Settle every 2 weeks. The most recent releases landed on October 9, 2026 and September 14, 2026 respectively.

Scorecard2 real differences · 8 level
Dime versus Settle: the parameters behind the verdict, then further details
ParameterDimeSettle
PriceFreeFree
Rating4.8 (315 ratings) — better—
Positive reviews90.0% of reviews—
Number of ratings315 — better—
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size32 MB29 MB
Age rating4+4+
DeveloperRafael SohYashvardhan Bhardwaj

Bugs and requests

Dime

Reported bugs

3 issues
  • Entries randomly disappearing
  • Crashes and freezes on certain devices
  • Widget not working as expected

Requested features

6 requests
  • Add income tracking
  • Implement biweekly budget option
  • Allow more category customization
  • Integrate with external accounts (e.g., bank, credit cards)
  • Implement receipt/check scanning with AI categorization
Show 1 more
  • Add ability to create multiple accounts

Settle

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Dime

One-time3
  • Small Tip$2.99
  • Medium Tip$4.99
  • Large Tip$7.99
None

Settle

No in-app purchases

Questions

Is Dime free?
Dime is free to download, with in-app purchases available.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Dime or Settle have ads?
Neither Dime nor Settle shows ads.
Which is updated more often, Dime or Settle?
Dime ships an update every 3 weeks, and Settle every 2 weeks. Most recently, Dime was updated on October 9, 2026 and Settle on September 14, 2026.

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