Comparison

WhoOwes vs Settle Book

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

Head to head
About

WhoOwes

Read full description

WhoOwes – the easiest way to track shared expenses and split bills with anyone, anywhere. Tired of arguing over who owes what? Whether you're traveling with friends, sharing rent with roommates, or splitting dinner costs, WhoOwes helps you keep everything fair and transparent. Key Features: – Track shared expenses: Add payments and instantly see who owes whom. – Split costs your way: Equally, by shares, percentages, or custom amounts. – Organize by group or event: Trips, dinners, rent, or group gifts. – Support for multiple currencies: perfect for international travel. – Settle up easily: No more confusing spreadsheets or awkward reminders. Perfect for: – Trips and travel groups: Manage shared expenses for transportation, stays, and food. – Roommates and shared homes: Split rent, utilities, and groceries effortlessly. – Couples: Keep track of shared spending and stay financially balanced. – Friends and colleagues: Plan events, gifts, or group projects without hassle. Say goodbye to β€œyou owe me” arguments and hello to simple, stress-free expense sharing. WhoOwes β€” because fair splitting should be effortless. Privacy policy: https://aeolian-clover-827.notion.site/Privacy-Policy-29d070a54130805fa285dd8babaa85d7 Terms of use: https://aeolian-clover-827.notion.site/Terms-of-Use-29d070a5413080a8bc69ec8cb2f3efa2

About

Settle Book

Features
Read full description

Take Control of Your Money - All in One Place Managing money shouldn’t be stressful. This app helps you track debts, daily expenses, and subscriptions so you always know where your money goes. Whether you owe friends, pay monthly bills, or want to improve spending habits, everything is organized in one clean and simple dashboard. -> Track Debts Easily Keep a clear record of money you owe or lent. β€’ Add bank loans, friends & family debts β€’ Monitor remaining balances β€’ Track payments and progress β€’ Stay organized and avoid missed repayments -> Monitor Daily Expenses Understand your spending habits and improve budgeting. β€’ Log expenses in seconds β€’ View monthly spending trends β€’ Analyze where your money goes β€’ Build smarter financial habits -> Manage Subscriptions Stop forgetting recurring payments. β€’ Track active & inactive subscriptions β€’ Get billing cycle insights β€’ Know upcoming renewal dates β€’ Avoid surprise charges -> Powerful Analytics Make better decisions with clear insights. β€’ Spending distribution charts β€’ Monthly trends and breakdowns β€’ Subscription billing analysis -> Why You’ll Love It β€’ Simple and clean design β€’ Easy to use and fast β€’ All finances in one place β€’ Built for everyday use Start your journey towards better money management today.

Screenshots

WhoOwes4 screens
Settle Book4 screens

Verdict

The call

The clearest difference is in-app purchases: WhoOwes at none against Settle Book's 1. Settle Book's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 18.0). On price and ads 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. Settle Book sells 1 one-off in-app purchase. WhoOwes asks for nothing beyond the download.

Scorecard3 real differences Β· 3 level
WhoOwes versus Settle Book: the parameters behind the verdict, then further details
ParameterWhoOwesSettle Book
PriceFreeFree
Update frequencyβ€”Weekly
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhoneiPhone, iPad, iPod β€” better
Requires iOS18.015.0 β€” better
Further details β€” not scored
Size13 MB44 MB
Age rating12+17+
DeveloperAlikhan MussabekovHasan Raza Khan

In-app purchases

None

WhoOwes

No in-app purchases

1 purchases

Settle Book

One-time1
  • SettleBook Lifetime Premium$9.99

Questions

Is WhoOwes free?
WhoOwes is free to download, with no in-app purchases.
Is Settle Book free?
Settle Book is free to download, with in-app purchases available.
Do WhoOwes or Settle Book have ads?
Neither WhoOwes nor Settle Book shows ads.

Other comparisons