Claimio vs Setto

Stop chasing receipts. Stop waiting to get paid back. Claimio is the expense claims app for modern teams, small businesses, and self-employed professionals — track, submit, and manage business expenses from your phone, with AI doing the heavy lifting. FOR INDIVIDUALS & FREELANCERS • Track your own business expenses in one place — no spreadsheets • Snap receipts and let AI extract the details automatically • Log mileage with live GPS and automatic HMRC-rate calculations • Save receipts to your wallet and submit when ready • Export your expenses for your accountant or self-assessment return • Ask the AI tax assistant about allowable expenses, VAT, mileage rates, and more • MTD-ready VAT export to stay HMRC-compliant FOR EMPLOYEES • Submit an expense claim in seconds — just snap your receipt • AI reads the receipt and fills in the details automatically • Save receipts to your wallet to submit later • Track mileage automatically with live GPS journey tracking and HMRC-rate calculations • Log per diems and cash expenses with ease • Group expenses by project or trip for easy reporting • Track every claim in real time — pending, approved or rejected • Get notified the moment your claim is reviewed • Ask the AI tax assistant about HMRC rules, VAT reclaim, or mileage allowances — and get instant, cited answers FOR ADMINS • Review and approve your team's claims in one tap • Set spending policies — category limits, receipt thresholds, approval tiers • Pay approved claims directly to employee bank accounts via Stripe • Export to Xero, QuickBooks or Sage — with custom accounting codes per category • MTD-ready VAT export so your records are always HMRC-compliant • Duplicate receipt detection to prevent double claims • AI-powered spending insights and category breakdowns across your entire team • Daily or weekly digest emails to stay on top of spend ACCOUNTING & TAX • Direct sync to Xero, QuickBooks and Sage • Custom accounting codes mapped per expense category • MTD VAT export for Making Tax Digital compliance • HMRC-rate mileage calculations built in • AI chatbot trained on UK tax rules — VAT, P11D, business expense eligibility and more • CSV, Excel and PDF exports for your accountant PLANS • Pro — unlimited claims, AI receipt scanning, analytics, Stripe reimbursements • Business — everything in Pro, plus department budgets, multi-level approvals, and Xero, QuickBooks and Sage exports • Solo accounts available for individuals and freelancers Every new account starts with a free 7-day Business trial. No credit card required. After the trial, a subscription is required to continue. Monthly and yearly plans available. Terms of Use: https://claimio.org/terms Privacy Policy: https://claimio.org/privacy

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.