Comparison

Splittr vs Settle Up

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

Head to head
About

Splittr

Easily track and divide shared expenses for group trips, shared living, or any activity. Add costs as they occur, and the app automatically calculates who owes whom. Invite friends to contribute expenses from their own devices, even offline.

Highlights
  • Split group expenses
  • Calculate who owes whom
  • Invite friends to add expenses
  • Works offline
  • Supports all currencies
  • Categorize expenses
  • Export data (PDF/CSV)
Features
Read full description

Splittr helps you to split group expenses on vacations, with your roommates or any other group activity. Simply add expenses as you go and Splittr will tell you who owes whom how much. Invite your friends and everybody can enter expenses with their own devices. - Works offline - Syncs with friends - No registration needed - All currencies supported - Categorize your expenses (custom categories available) - PDF and CSV export - Statistics and fun facts about your group - A super fast, easy-to-use interface - Smart settle-up that minimizes the number of payments - You can split expenses unevenly if purchasers paid different amounts or if certain participants benefited more or less from the expense - Automatic backups Use case: Imagine you are on a trip with two friends: Emma and Daniel. You pay $100 for gas for the trip. Anyone with a calculator can divide that price three ways, but even then, you’d normally have to keep a record of the expense in order to divvy it up later. With Splittr, this expense is entered in a couple of seconds and divided equally with little time or effort. Imagine that later, you, Emma and Daniel go to a restaurant. You’re not hungry, so you only order juice. Daniel orders a steak and a cheesecake. Emma gets a spinach salad. The bill is $80. Daniel forgot his wallet in the hotel room and doesn’t pay, but you chip in $60 and Emma pays $20. You need a math degree to calculate who owes what, right? Not with Splittr! Simply enter who paid how much and Splittr will do the rest. It’s that simple!

About

Settle Up

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
Read full description

Settle group expenses without the stress. Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner? Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun. Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances! WHY SETTLE UP? – Split anything: Whether it’s an even split, unequal weights, or multiple people paying for one item, we handle every real-life scenario. – Smart settlements: Our unique algorithm calculates the fewest possible transfers to settle all debts, saving you time and transaction fees. – Works everywhere: Sync data across other platforms. No internet? No problem — it works offline and syncs when you’re back. – No app required: Share a group link so friends can view the balance in their browser without downloading anything. POWERFUL FEATURES FOR REAL LIFE – Global ready: Supports all currencies with real-time exchange rates for international travel. – Ultra-fast sharing: Invite friends via a simple link or a QR code. – Export & reports: Need a deep dive? Export your data to CSV for easy accounting. – Instant transparency: Get notified the second someone adds an expense or settles up. Settle Up will even remind group members automatically and nudge them to settle their debts. UPGRADE TO PREMIUM FOR THE FULL EXPERIENCE Unlock the tools designed for power users and frequent travelers: – Ad-free: Focus on your finances without distractions. – Receipt photos: Snap and store bills directly in the group. – Recurring & future expenses: Automate rent, subscriptions, and utility bills. – Custom categories: Organize your spending with colorful, personalized labels. – Export to Excel: Get a full expense report in a spreadsheet. – Statistics: View charts on spend by categories and members. Stop worrying about the math. Start enjoying the moment. Download Settle Up today and sail through your next group expense! Visit our Terms of Service and Privacy policy at: https://settleup.io/tos.html

Screenshots

Splittr4 screens
Settle Up4 screens

Verdict

The call

Splittr and Settle Up both sit at 4.8 stars, but that hides the real split: 97% of Splittr's written reviews are positive against 59% of Settle Up's. Splittr also leads on update cadence (every 4 days vs every 2 weeks). On price, rating, ratings volume and ads 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. Splittr sells 4 in-app purchases, starting at $3.49 per year 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Splittr against 4.8 for Settle Up. Both are backed by a comparable volume of ratings — 616 and 1.7K respectively. Written reviews are what separate them: 97% of Splittr's written reviews are positive against 59% of Settle Up's.

UpkeepUpdate frequency

Splittr ships an update every 4 days, Settle Up every 2 weeks. Both last shipped on September 24, 2026.

Scorecard2 real differences · 8 level
Splittr versus Settle Up: the parameters behind the verdict, then further details
ParameterSplittrSettle Up
PriceFreeFree
Rating4.8 (616 ratings)4.8 (1.7K ratings)
Positive reviews97.4% of reviews — better58.5% of reviews
Number of ratings6161.7K — better
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better17.4
Further details — not scored
Size32 MB103 MB
Age rating4+4+
DeveloperRWichmann GmbHStep Up Labs, Inc.

Customer experience

Splittr

All ratings616 ratings
Positive97.2%
Neutral0.5%
Negative2.3%
Written reviews494 reviews
Positive97.4%
Neutral1.0%
Negative1.6%

Settle Up

All ratings1,729 ratings
Positive96.5%
Neutral1.2%
Negative2.4%
Written reviews388 reviews
Positive58.5%
Neutral6.2%
Negative35.3%

User reviews

Splittr

From 616 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient for group trips
  • 💰 Reasonable premium pricing
  • 🌍 Supports multiple currencies
  • 📊 Detailed reporting and tracking

Room to improve

  • 🐛 Occasional bugs and glitches
  • 💬 Confusing interface for some users
  • 🔊 Intrusive ads with sound
  • 🔍 Lack of search functionality

Settle Up

From 1.7K App Store ratings

What we love

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

Room to improve

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

Bugs and requests

Splittr

Reported bugs

2 issues
  • Report generation not working for some users
  • Expense entries sometimes disappearing

Requested features

4 requests
  • Ability to split expenses unevenly
  • Option to save expense categories
  • Improved settlement/payment integration
  • Cloud sync and backup functionality

Settle Up

Reported bugs

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

Requested features

3 requests
  • 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)

In-app purchases

4 purchases

Splittr

Subscriptions1
  • 1 Year$3.491 Year
One-time3
  • 1 Month$0.99
  • Lifetime$5.99
  • Lifetime$10.99
10 purchases

Settle Up

Subscriptions2
  • Monthly Premium$3.991 Month
  • Yearly Premium7 Days trial$19.991 Year
One-time8
  • Group Premium for 1 week$5.99
  • Group Premium for 2 weeks$9.99
  • Group Premium for 2 months$14.99
Show 5 more
  • Group Premium for 1 month$14.99
  • Group Premium for 2 months$29.99
  • Group Premium5 variants$39.99
  • Group Premium for 1 year$39.99
  • Lifetime Group Premium$149.99

Questions

Is Splittr free?
Splittr 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, Splittr or Settle Up?
Splittr and Settle Up are both rated 4.8 out of 5 on the App Store, from 616 and 1.7K ratings respectively.
Do Splittr or Settle Up have ads?
Both Splittr and Settle Up show ads.
Which is updated more often, Splittr or Settle Up?
Splittr ships an update every 4 days, and Settle Up every 2 weeks. Most recently, Splittr was updated on September 24, 2026 and Settle Up on September 24, 2026.

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