Divy vs Setto

Divy: Unlimited Group Bill Splitting Stop stressing about "who owes who." Divy is the cleanest, most powerful way to share expenses with friends, roommates, and travel partners—without the restrictions of other apps. Why Choose Divy? Truly Unlimited: Add as many daily transactions and groups as you need. We never cap your activity. Simplify Debts: Our "Best-in-Class" algorithm calculates the most efficient way for your group to settle up, reducing the total number of payments. Pro Splitting Modes: Split bills exactly how you want. Choose from Equal, Exact Amounts, Percentages, or Shares—all included. Clean & Simple UI: Designed for speed. Log an expense in seconds and get back to your day. No clutter, just clarity. PERFECT FOR: Roommates: Splitting rent, utilities, and groceries without the monthly math headache. Group Trips: Track every dinner, taxi, and hotel stay in real-time. Couples: A shared ledger for your relationship costs and joint purchases. Events: From bachelor parties to office lunches, keep everyone on the same page. CORE FEATURES: Real-time sync across all members. "Recent Activity" feed to stay updated on every change. Detailed member balances visible at a glance. Join the movement toward a fairer, faster way to split. Download Divy today!

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.