Comparison

Settlo vs Settlo AI

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

Head to head
About

Settlo

Features
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Settlo helps you stay on top of debt payments with a clean, focused planner. Track each debt in one place: - Remaining balance, APR, due date, and monthly payment - Flexible payment logging (pay more or less any month) - Monthly calendar view to spot upcoming dues - Home and Lock Screen widgets for fast glanceable status - Reminder controls so you don’t miss due dates - CSV export for backup Built for speed and clarity: - Fast debt list with swipe actions - Local-first workflow - No account required Settlo is an organization tool and not financial advice.

About

Settlo AI

Features
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Split bills smarter with AI. Stop entering every expense manually. Settlo AI helps you split expenses, track shared spending, and settle balances with friends, family, roommates, couples, and travel groups in just a few taps. Whether you're sharing restaurant bills, rent, groceries, vacations, utilities, or everyday expenses, Settlo AI makes managing shared costs simple and organized. Simply scan a receipt or describe an expense using your voice, and Settlo AI takes care of the rest. Scan Receipts with AI Take a photo of any receipt, and Settlo AI automatically reads the merchant name, total amount, tax, tip, and individual line items. Assign each item to the right person, and Settlo instantly calculates everyone's share. Add Expenses Using Your Voice Forget typing. Just say something like, "Split a 400 dollar restaurant bill with Ali, Sara, and John." Settlo AI understands your request and creates the expense for your group in seconds. Made for Every Group Settlo AI is perfect for friends, roommates, couples, families, travel groups, business trips, and shared households. Always know who paid, who owes, and who should receive money. Travel with Multiple Currencies Manage shared expenses across different currencies with built-in multi-currency support. Whether you're traveling abroad or splitting costs with international friends, Settlo keeps everything organized. Key Features AI receipt scanning Voice-powered expense entry Equal bill splitting Item-by-item expense splitting Custom split amounts Shared expense tracking Real-time balances Easy settlement tracking Multiple groups Multi-currency support Clean and intuitive interface Fast and simple experience Perfect For Restaurant bills Rent and utilities Groceries Vacations Road trips Events Business travel Families Couples Roommates Spend less time managing expenses and more time enjoying the moments that matter. Download Settlo AI today and discover a smarter way to split bills, manage shared expenses, and settle up together. Terms of Use (EULA): https://appaxislab.com/settlo_privacy_policy#privacy#eula Privacy Policy: https://appaxislab.com/settlo_privacy_policy#privacy

Screenshots

Settlo4 screens
Settlo AI4 screens

Verdict

The call

The clearest difference is in-app purchases: Settlo at none against Settlo AI's 1. Settlo also leads on ads (none vs shown). Settlo AI's advantage is iOS requirement (15.1 vs 26.2). On price 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. Settlo AI sells 1 in-app purchase, starting at $2.99 per 7 days. Settlo asks for nothing beyond the download.

Scorecard3 real differences Β· 2 level
Settlo versus Settlo AI: the parameters behind the verdict, then further details
ParameterSettloSettlo AI
PriceFreeFree
AdsNo β€” betterYes
In-app purchasesNo β€” betterYes
DevicesiPhone, iPadiPhone, iPad, iPod β€” better
Requires iOS26.215.1 β€” better
Further details β€” not scored
Size4 MB74 MB
Age rating4+4+
Developerjaydonlee gouldingIhsan Ahmad

In-app purchases

None

Settlo

No in-app purchases

1 purchases

Settlo AI

Subscriptions1
  • Weekly Premium$2.997 Days

Questions

Is Settlo free?
Settlo is free to download, with no in-app purchases.
Is Settlo AI free?
Settlo AI is free to download, with in-app purchases available.
Do Settlo or Settlo AI have ads?
Settlo AI shows ads; Settlo does not.

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