Salkku vs Settl
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Salkku
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With the help of unbiased and customized summary reporting, you effectively monitor the development of the entire investment asset and its parts, identify portfolio risks and compare portfolio development by asset class or asset manager.
Settl
Effortlessly split group expenses using voice commands or receipt scanning. Log, itemize, and track who owes whom across various groups and currencies. Ideal for trips, shared housing, or any shared cost.
- Voice-activated expense logging
- Receipt scanning for totals and items
- Multiple splitting methods (equal, exact, itemized)
- Group creation for trips, housing, etc.
- 1-on-1 settlement tracking
- Multi-currency support with exchange rates
- Import from Splitwise
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Split any bill in one sentence. Say it, scan it, Settl. Settl is the fastest way to split expenses with friends, roommates and travel buddies. Tap the mic, say what happened, and the expense is logged, split and converted in about a second. BUILT FOR IPHONE DUO Open your iPhone Duo and Settl uses both halves. Home spreads across two pages, a group opens on one side while its details open on the other, and your tabs sit in the strip by the fold. Folded, it works just like on any iPhone. "Dinner was 240, the Sharmas had the wine, split the rest." Logged. Itemized. Everyone owes the right amount. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday." Two expenses, dated correctly, converted from yen. SAY IT, SCAN IT, OR TAP IT One mic button sits at the bottom of every screen. Point the camera at a receipt and Settl reads the total and the items. Prefer typing? Every action still works by hand. WHAT YOU CAN DO • Split equally, by exact amounts, by percentage, by shares, or item by item • Groups for trips, shared houses, couples and one-off dinners • Settle up 1-on-1 with a friend, no group needed • See who owes whom across every group in one balance • Track IOUs and record payments when someone pays you back • Multi-currency with daily exchange rates, built for travel • Comment on any expense to sort out the details • Import your history from Splitwise in a couple of taps WHY PEOPLE SWITCH You're not bad at money. You just hate asking for it. Every group dinner ends the same way: receipts on the table, half-typed payment requests, someone doing math in a notes app. Older bill-splitting apps solved the ledger. They never solved the chore of logging the thing in the first place. Settl does. Start a group, share the link, and split your next dinner before the check arrives. Questions or feedback? hello@settl.fyi Privacy: https://settl.fyi/privacy Terms: https://settl.fyi/terms
Screenshots
Verdict
The clearest difference is update cadence: Settl at every 6 days against Salkku's every 9 months. Salkku's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Salkku ships an update every 9 months, Settl every 6 days. The most recent releases landed on November 8, 2026 and November 13, 2026 respectively.
| Parameter | Salkku | Settl |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 9 months | Every 6 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 15 MB | 85 MB |
| Age rating | 4+ | 4+ |
| Developer | Suomen Sijoitustutkimus Oy | Rahul Raina |
In-app purchases
Salkku
No in-app purchases
Settl
No in-app purchases









