Comparison

Settleasy vs ExpenseFlow Tracker

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

Head to head
About

Settleasy

Features
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The Private Expense Splitter & Bill Tracker Stop the spreadsheet chaos. Settleasy is the ultimate expense splitter app to track, divide, and manage shared costs for couples, roommates, and travelers. Calculate exactly who owes whom β€” 100% offline, no accounts, no data leaving your device. SPLIT BILLS & SHARE COSTS EASILY Take full control of your group budget with Settleasy, whether for daily life or vacation: β€’ Couples: Manage monthly household bills, partner costs, and monthly expenses together. β€’ Roommates: Fairly split rent, utilities, apartment costs, and groceries in a shared household. β€’ Families: A simple way to share costs, track income, and settle family debts. β€’ Travelers: Track holiday expenses and group spend across multi-currency ledgers. β€’ Friends: Perfect for settling vacation bills, restaurant dinners, and group activities. Whether you are managing recurring household expenses or a weekend getaway, Settleasy handles the math and provides accurate balances and settlement payments in an instant. And it works for both expenses and income! SMART SETTLEMENT CALCULATIONS & FLEXIBLE DATA EXCHANGE Create a settlement, add your items (expenses and income), and let Settleasy do the math: β€’ Flexible Shares: Set custom split methods β€” equal shares, percentages (10%, 20%, 50%), or specific amounts. One partner pays 70%? Easy. β€’ Track Who Paid What: Record actual contributions for every expense. Alice paid $50, Bob paid $150? The app logs both contributions. β€’ Automatic Balance: Instantly see who owes whom based on agreed shares. No mental math, no arguments. β€’ Settlement Payments: Record payments between participants to zero out debts and clear the balance. β€’ Import & Export: Keep your data safe or move it between devices. Export your settlements as a file and import them whenever you need. β€’ NEW: PDF Reports: Create professional PDF reports of your settlements and share them with other participants β€” for instance, by mail or messenger. BUILT FOR REAL LIFE β€’ Multi-Currency Made Easy: Ideal for vacation. Enter expenses in any currency and convert them to your settlement currency with ease. β€’ Items with Context: Add dates, timeframes, and locations (e.g., "Restaurant, Budapest, Oct 15") to keep everything organized. β€’ Income & Expenses Together: Received a group refund? Add it to the same settlement. Settleasy properly factors income into your balance. β€’ Duplicate Settlements: Perfect for recurring monthly costs. Long-press any settlement to copy participants and split settings. β€’ Precision Splitting: Multiple split methods via long-press menus, including split equally, by shares, or by percentages. β€’ Fast Entry: Tap settlement β†’ "+" β†’ enter title and amount. Done. Perfect for tracking costs on the go. PRIVACY BY DESIGN 100% local. 100% private. 100% yours. Settleasy stores everything on your device. No accounts, no cloud sync, and no data transmission. Your financial information never leaves your iPhone or iPad. You manage everything yourself β€” participants don’t need the app, don’t receive notifications, and aren't tracked. Your data, your way. Perfect for anyone who values privacy or needs to work offline while traveling. INTUITIVE & ORGANIZED β€’ Participants: Add people with names and optional photos (from camera, gallery, or files). β€’ Group & Sort: Organize settlements, items, and participants exactly how you want. β€’ Undo Protection: Accidentally deleted something? Tap "Undo" to restore it instantly. β€’ Bulk Actions: Select and delete multiple rows at once. β€’ Smart Keyboard: Dismiss the keyboard by dragging down. SETTLEASY PRO β€’ Unlimited settlements (free: up to three settlements). β€’ Watermark-free PDF reports (free: PDF reports with watermarks). β€’ Future Pro features included. Try Settleasy today and experience the most private way to manage group finances!

About

ExpenseFlow Tracker

Features
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ExpenseFlow Tracker is a simple and reliable app designed to help you track daily spending, manage your budget, and monitor income with ease. Whether you want to control monthly expenses, set spending limits, or review your financial habits, this app provides clear insights through an organized dashboard and visual reports. Key Features β€’ Add income and expenses β€’ Create custom categories β€’ Monthly and weekly reports β€’ Budget limit alerts β€’ Visual charts and summaries β€’ Transaction history tracking β€’ Recurring expense support β€’ Multiple wallet management β€’ Secure local data storage Smart Budget Management Monitor your daily expenses and identify where your money goes. Set monthly budgets and receive alerts when spending approaches limits. Simple & Clean Experience Designed for ease of use with a clear interface and fast performance. No complicated setup required. Suitable For β€’ Personal finance tracking β€’ Household budget planning β€’ Students managing expenses β€’ Daily spending control Users are responsible for reviewing and managing their financial data accordingly.

Screenshots

Settleasy4 screens
ExpenseFlow Tracker4 screens

Verdict

The call

The clearest difference is update cadence: ExpenseFlow Tracker at every 4 days against Settleasy's monthly. ExpenseFlow Tracker also leads on iOS requirement (13.0 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Settleasy sells 1 one-off in-app purchase and ExpenseFlow Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Settleasy ships an update monthly, ExpenseFlow Tracker every 4 days. The most recent releases landed on October 8, 2026 and October 1, 2026 respectively.

Scorecard2 real differences Β· 4 level
Settleasy versus ExpenseFlow Tracker: the parameters behind the verdict, then further details
ParameterSettleasyExpenseFlow Tracker
PriceFreeFree
Update frequencyMonthlyEvery 4 days β€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPadiPhone, iPad, iPod β€” better
Requires iOS26.013.0 β€” better
Further details β€” not scored
Size6 MB29 MB
Age rating4+4+
DeveloperNils AnspachMBDTECH LTD

In-app purchases

1 purchases

Settleasy

One-time1
  • Pro Upgrade$8.99
1 purchases

ExpenseFlow Tracker

One-time1
  • lifetime access$1.99

Questions

Is Settleasy free?
Settleasy is free to download, with in-app purchases available.
Is ExpenseFlow Tracker free?
ExpenseFlow Tracker is free to download, with in-app purchases available.
Do Settleasy or ExpenseFlow Tracker have ads?
Neither Settleasy nor ExpenseFlow Tracker shows ads.
Which is updated more often, Settleasy or ExpenseFlow Tracker?
Settleasy ships an update monthly, and ExpenseFlow Tracker every 4 days. Most recently, Settleasy was updated on October 8, 2026 and ExpenseFlow Tracker on October 1, 2026.

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