# Splitwise vs Settle Up

The clearest difference is rating: Settle Up at 4.8 against Splitwise's 4.0. Settle Up also leads on review sentiment (59% vs 44%). Splitwise's advantage is ads (none vs shown) and ratings volume (28K vs 1.7K). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Splitwise sells 10 in-app purchases, starting at $2.99 per month and Settle Up sells 10 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Settle Up holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Splitwise has 28K ratings behind it against 1.7K, so its average is the more settled of the two. Written reviews point the same way: 44% of Splitwise's written reviews are positive against 59% of Settle Up's.

Splitwise ships an update weekly, Settle Up every 2 weeks. Both last shipped on September 24, 2026.

## The numbers

| Metric | Splitwise | Settle Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (28K ratings)](https://appshunter.io/ios/app/splitwise/id458023433/reviews) | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** |
| Number of ratings | **28K** | 1.7K |
| Positive reviews | 44.3% of reviews | **58.5% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#29** | — |
| Size | 67 MB | 103 MB |
| Requires iOS | **16.0** | 17.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Splitwise, Inc.](https://appshunter.io/developer/458023436) | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) |

## What reviewers say

### Splitwise

[App page](https://appshunter.io/ios/app/splitwise/id458023433)

**Currently charting:** #29 Top Grossing · Finance, #84 Top Free · Finance (US App Store)

Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.

**Highlights:** Create groups or private friendships, Add expenses in any currency, Simplify debts into repayment plans, Split expenses equally or unequally, Record cash payments or use integrations, Recurring bills, Export to CSV

**Features:** Apple Wallet, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitwise Pro | $2.99 | per month |
| Splitwise Pro | $2.99 | per month |
| Splitwise Pro | $2.99 | per month |
| Splitwise Pro | $3.99 | per month |
| Splitwise Pro | $4.99 | per month |
| Splitwise Pro | $29.99 | per year |
| Splitwise Pro | $29.99 | per year |
| Splitwise Pro | $39.99 | per year |
| Splitwise Pro | $39.99 | per year |
| Splitwise Pro | $59.99 | per year |

**What reviewers like**

- 🚀 Simplifies splitting expenses
- 👍 Easy to use and intuitive
- 💡 Helpful for group trips and shared living
- 🚀 Convenient payment integration
- 🚀 Supports multiple currencies

**What reviewers complain about**

- 🐛 Confusing settle up process
- 🐛 Inaccurate receipt scanning
- 💰 Subscription model too expensive
- 🐛 Glitches when switching between apps
- 🐛 Inconsistent user experience

**Reported bugs**

- Payments not properly credited
- Expense entries disappearing
- Incorrect balance calculations
- Venmo integration issues

**Requested features**

- Custom recurring expense options
- Ability to set default split percentages
- Better group management tools
- Improved currency conversion and tracking
- Integration with more payment services


### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

Easily track shared expenses and IOUs for groups like travelers, flatmates, or friends. Handles complex splits, multiple payers, incomes, and items from bills. Works offline and across platforms, minimizing transfers and offering real-time exchange rates.

**Highlights:** Track shared expenses, Manage IOUs, Handle complex splits, Multiple payers support, Offline functionality, Real-time exchange rates, Data export

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 2 months | $14.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings

**What reviewers complain about**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login

**Reported bugs**

- Expense details disappearing
- Inability to create new groups
- Keyboard issues on iOS 8
- Incompatibility with iPad

**Requested features**

- Ability to assign fixed amounts to group members
- Option to adjust expense shares (e.g. exclude certain items)
- Support for paying groups (multi-family events)


## Frequently asked questions

### Is Splitwise free?

Splitwise is free to download, with in-app purchases available.

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Which has better reviews, Splitwise or Settle Up?

Settle Up is rated higher. Splitwise averages 4.0 out of 5 from 28K ratings, while Settle Up averages 4.8 from 1.7K ratings.

### Do Splitwise or Settle Up have ads?

Settle Up shows ads; Splitwise does not.

### Which is updated more often, Splitwise or Settle Up?

Splitwise ships an update weekly, and Settle Up every 2 weeks. Most recently, Splitwise was updated on September 24, 2026 and Settle Up on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*