Divvy vs Setto

Divvy is a simple expense tracker built for couples, friends, travelers, students, and anyone who splits costs. No sign-up or account is required. Start tracking expenses right away, whether you’re managing everyday spending or sharing costs during a trip. Record payments in seconds, see who owes what, and settle up with ease. ● Record payments quickly with custom currencies ● Calculate fair settlements between group members ● Share and collaborate on expenses in real time ● Invite others to shared groups with a simple link ● Use the app offline whenever you need Divvy is designed to stay simple. No clutter. No ads. Whether you’re splitting dinner with friends, managing travel expenses, or tracking shared household costs, Divvy makes it easy to keep everyone on the same page. Just a clean way to track and settle shared costs.

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.