Splitsies vs Let's Settle Up

Splitsies is a free app for tracking shared expenses with roommates, friends and travel groups. Create a group, add an expense and Splitsies works out who owes what. No ads, no tracking, no paywalls. No spreadsheet to keep up to date. Create groups for every situation Set up a group for your shared apartment, a holiday with friends, or the bills you and your partner pay together. Add the first expense in seconds. Add expenses your way Log an expense with a name, amount, currency and a split. Choose how to split: equal, exact, by percentage, or by shares. Splitsies records who paid and works out what each person owes. Capture Apple Pay payments automatically Set this up once with a Shortcuts automation and every Apple Pay payment drops into a private inbox on your iPhone, ready to turn into a shared expense. Nothing leaves your phone until you decide to split it. There's a step-by-step guide on the Splitsies site. Multi-currency, no paywall Trip in GBP, paid in USD, recorded in EUR? Splitsies handles 160+ currencies with live conversion. No premium tier to unlock it. Always know the balance See a live balance for every group. The home screen shows who owes what and how much you're owed in total. Trip stats See what your trip cost. Totals, daily averages, budgets, spending by category, and a per-currency breakdown. Settle up When it's time to settle, mark a payment between two people and the balances update. Splitsies suggests the smallest number of payments to clear a group. Activity feed Each group has a full history of expenses and settlements, with who added what and when. Sign in with Apple No passwords. Sign in with your Apple ID. You stay in control of your name and email. Private by design No ads. No tracking. Your data is used only to run Splitsies and is never sold or shared with third parties. Splitsies has the polish of a paid bill-splitting app, without the ads, paywalls or tracking. It works the same way for shared rent, a road trip, or the household groceries.

Let's Settle Up! is an intuitive, free tool for splitting bills and tracking shared expenses with friends, flatmates, your partner, or on trips together. No ads. Shared rent, a weekend getaway, or just pizza with friends? Let's Settle Up! precisely tracks who paid for what, who owes whom, and suggests the optimal way to settle up with the fewest possible transfers. Key features: • Unlimited expenses within shared groups • Smart debt simplification — settle up in the fewest possible transactions • Three split methods: equally, by amount, by percentage • Individual multipliers (e.g. for someone eating more) • Multi-currency — expenses in any currency, automatically converted to the group's settlement currency • Available on iPhone and in the browser: letssettleup.com Groups that fit your life: Create separate groups for different occasions — a holiday with friends, a shared flat, regular dinners. Each group has its own members, currency, and history. Three ways to invite: • An 8-character invite code • A shareable link • An email invitation (auto-join after creating an account) The owner and admins can manage members, edit other people's expenses, and confirm settlements on behalf of others — perfect for cash payments outside the app. Settlements made simple: After every expense, the app calculates net balances and proposes the optimal set of transfers. Two-step confirmation: the payer marks the transfer as sent, the recipient confirms receipt of the funds. No more misunderstandings about who owes whom how much. The app keeps a full history of all transactions. Activity and statistics: • An activity feed shows new expenses, settlements, and group changes • Per-group statistics: total expenses, your share, largest expenses, a pie chart of contributions • Mark a group as closed once a trip is over — browse the history without the risk of accidental changes Import and export: • Import existing expenses from a CSV file (Splitwise format supported) • Export any group as a PDF (formatted report) or XLSX (5 sheets: summary, members, expenses, settlements, balances) • Share reports via your favourite app or save to the cloud Notifications under control: You'll get a notification when someone adds an expense, joins a group, or settles up with you. Full control — turn each type on or off separately. No ads, no spam. Privacy and security: • Data stored in Firebase Firestore (Warsaw, EU region) — GDPR compliant • No data analytics, no tracking • Optional error reporting (Crashlytics) — the choice is yours • Delete your account with one tap at any time Try it without registering: Choose "Try demo" on the login screen — a full test version with 4 accounts and 3 sample groups, no registration required. All data stays on your device. Many languages: Available in Polish, English, German, Spanish, French, and Ukrainian. Push notifications in your language too. How it works — in 3 steps: 1. Create a group and invite your friends 2. Add expenses as you go — who paid, how much, who shared 3. Open the settlements screen and see the simplest way to clear the debts Free to use: Create your first groups for free. If you need more, support development with a one-time donation (Coffee, Pizza, or Dinner) — each adds slots for new groups. No subscription, no recurring fees. Questions, ideas, or bug reports? Contact us at michal.salwin@gmail.com. Let's Settle Up! — because friendship shouldn't end with an awkward conversation about money.