Split Bills & Settle Expenses vs Defray

Take the headache out of shared expenses with Settle Wise, the ultimate app to track group costs, split bills, and settle debts quickly. Whether you are dividing rent with roommates, planning a trip with friends, or managing simple business ledgers, Settle Wise makes the math effortless. Why choose Settle Wise? We value your privacy and efficiency. Settle Wise is designed to be the fastest way to manage money without the corporate bloat. - No Login Required: Open the app and start tracking immediately. No emails, no passwords, no setup. - Completely Offline: All your data is stored locally on your device. We do not track, collect, or upload your personal information. Your finances stay yours. - Distraction-Free: Enjoy a clean, responsive experience built for speed. KEY FEATURES: Easy Bill Splitting: Add expenses in seconds and divide them equally or custom-split among group members. Settle Debts Instantly: Clearly see who owes whom and keep a running tally of completed payments. Versatile Ledger: Perfect for personal use, group travel, roommates, or small business tracking. Lightning Fast: Built to be ultra-lightweight, saving your device's battery and storage. Global Ready: Supports all world currencies. Set your preferred currency in your profile settings. Say goodbye to messy spreadsheets and awkward money conversations. Download Settle Wise today and keep your finances perfectly balanced, completely offline!

Defray splits bills between friends, flatmates and travel groups, and it's free. No ads, no subscription, no "upgrade to add more than three expenses today". Nothing is locked behind a paywall. Only you need the app. Send your group a link and everyone else can open it in any browser to see what they owe and add what they paid. No download, no account, no password. ON A TRIP Five of you in Lisbon. Daniel pays 210€ for the farewell dinner, you buy the tram tickets, Lena pays for the gin at the duty-free in pounds. Everyone adds what they paid, from the app or from the link. Defray keeps a running balance for each person, converts the pounds at the live rate, and at the end works out the fewest transfers that square everyone up. No signal on the ferry? Add the expense anyway. It's saved on your phone and syncs as soon as you're back online. AT HOME Rent, electricity, internet, the cleaner every two weeks. Set each one up once as a recurring expense and Defray adds it on the right day, split the way you chose. WHAT YOU GET Splitting: equally, by exact amounts, by percentage or by shares. Add an extra on top for one person when someone ordered the lobster. Currencies: mix currencies in one group, use live exchange rates or type your own, and convert what someone owes in one tap. Settling up: who owes whom across all your groups, debt simplification, and payments you sent or received. Receipts: attach photos or videos to any expense. Categories: picked from the title as you type, or make your own. Guests: add people who don't use Defray and keep track of their share. They can claim an account later and keep their history. Chat: a group chat in every group, plus direct messages, with photos, voice messages, @mentions and reactions. Planning: shared notes and checklists, pinned places on a map, the weather where you're going, a shared calendar with reminders, and a photo wall. Stats: spending by category, by person and by month. Personal expenses: log your own spending with no group at all. Notifications when someone adds an expense or pays you back. If you've been tracking who owes what in a notes app, a spreadsheet or the group chat, Defray replaces all three. Good for holidays and weekends away, shared flats, couples, festivals, stag and hen dos, team lunches, and anything else where money goes into one pot and comes out unevenly.