Splitly vs Setto

Snap. Split. Settle. Splitly makes shared expenses disappear in three taps: snap any receipt, assign items, and see fair shares appear—no spreadsheets and no awkward math. Why Splitly: AI receipt scanning with high line-item accuracy, including many handwritten receipts. Unlimited bills, groups, and trips; all core features are free. Line-item precision: split equally, by shares, percentages, or exact dishes, with tax and tip calculated automatically. Smart debt simplification reduces group IOUs to the fewest payments. Multi-currency tracking supports 200+ currencies and separate balances (conversion coming soon). Works offline and syncs when back online. A fast, accessible, and beautiful experience with dark mode. Privacy first with end-to-end encryption, zero ads, and GDPR/CCPA compliance. How it works: scan a receipt with the camera and Splitly extracts items and prices. Assign items to people or split equally with one tap. Share the split by link, text, or email and record payments as they happen. Direct Venmo, PayPal, Cash App, and Revolut settle-ups are on the roadmap. Perfect for roommates tracking rent, utilities, and groceries; road-trip, ski-weekend, or festival crews; couples managing a shared budget; families on vacation; and small teams before reimbursement. Pricing: everything available today is free. A Splitly Pro tier—with receipt vault, AI budgeting assistance, spending trends, custom themes, and priority support—is in the works. Coming soon: currency conversion with real-time FX rates; direct settle-ups with popular payment apps; a receipt vault with powerful search and tags; AI budgeting assistance and spending-trend insights; and bank and card import to auto-detect shared purchases. Ditch the dreaded bill math and spreadsheets. Download Splitly and split the smart way.

Split expenses with friends, roommates, and travel groups — without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO • Apple Watch: log expenses and check balances from your wrist • Split any way: equal, percentage, exact amounts, or custom shares • Smart debt simplification across all your groups • AI entry: type naturally or use voice (“dinner 40 with Sam”) • On-device receipt scan — merchant and amount, privately on your phone • Nudge friends politely when something’s still open • Real-time activity feed for expenses, edits, and settlements • Cross-group balances so you always know the full picture • Offline-ready — add and view expenses, sync when you’re back • Reports: monthly charts, categories, PDF/CSV export • Trip mode: budgets, default splits, multi-currency • Recurring expenses for rent, subscriptions, and regular bills • Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.