Comparison

Fiora vs Settl

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

Head to head
About

Fiora

Effortlessly track your spending using AI-powered voice input or quick manual entry. Get smart categorization, clear insights, and budget management tools. Designed for speed and simplicity, it adapts to your preferred way of logging expenses.

Highlights
  • AI-powered voice expense logging
  • Quick manual expense entry
  • Smart AI categorization
  • Clear spending insights and analytics
  • Receipt scanning
  • Budget setting and tracking
Features
Read full description

Track expenses your way — speak it or type it. Who is it for? Anyone tired of complex finance apps People who want quick, effortless tracking Users who prefer voice-first experiences Anyone trying to build better money habits Managing money shouldn’t feel like work. Fiora makes expense tracking fast, natural, and effortless with AI-powered voice input and simple manual entry when you need it. Just say something like: “Spent 300 dollars on groceries” …and Fiora instantly logs it with smart categorization. Not in the mood to talk? Type your expense, tap the checkmark , and you’re done in seconds. Why Fiora? Voice-Powered Expense Tracking Skip typing. Log expenses naturally using your voice with intelligent recognition. Quick Manual Entry Prefer typing? Enter your expense and tap once to save—simple and fast. Smart AI Categorization Fiora automatically detects amount, category, and details—no extra effort needed. Clear Insights & Analytics Understand where your money goes with clean, easy-to-read summaries. Receipt Scanning Capture bills and extract details instantly—no manual entry required. Budget Smarter Set limits and stay in control of your spending habits. Fast & Minimal Designed for speed. No clutter, no confusion—just what you need. Built for Real Life Whether you're busy, tired, or on the go—Fiora adapts to you. Talk when you want. Type when you prefer. Terms of Use: https://mahmudullahmdev.github.io/Fiora-terms-of-use/

About

Settl

Easily split expenses with friends and family using voice commands. Log, split, and track shared costs for trips, dinners, or rent, with automatic currency conversion for travel. Offers a voice-first experience but also supports traditional tap-based input.

Highlights
  • Voice-activated expense logging
  • Flexible splitting methods
  • Group and individual expense tracking
  • Multi-currency support with auto-conversion
  • Detailed activity feed
  • Optional tap-based interface
Read full description

Split any bill in one sentence. Say it, scan it, Settl. Settl is the fastest way to split expenses with friends, roommates and travel buddies. Tap the mic, say what happened, and the expense is logged, split and converted in about a second. "Dinner was 240, the Sharmas had the wine, split the rest." Logged. Itemized. Everyone owes the right amount. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday." Two expenses, dated correctly, converted from yen. SAY IT, SCAN IT, OR TAP IT One mic button sits at the bottom of every screen. Point the camera at a receipt and Settl reads the total and the items. Prefer typing? Every action still works by hand. WHAT YOU CAN DO • Split equally, by exact amounts, by percentage, by shares, or item by item • Groups for trips, shared houses, couples and one-off dinners • Settle up 1-on-1 with a friend, no group needed • See who owes whom across every group in one balance • Track IOUs and record payments when someone pays you back • Multi-currency with daily exchange rates, built for travel • Comment on any expense to sort out the details • Import your history from Splitwise in a couple of taps WHY PEOPLE SWITCH You're not bad at money. You just hate asking for it. Every group dinner ends the same way: receipts on the table, half-typed payment requests, someone doing math in a notes app. Older bill-splitting apps solved the ledger. They never solved the chore of logging the thing in the first place. Settl does. Start a group, share the link, and split your next dinner before the check arrives. Questions or feedback? hello@settl.fyi Privacy: https://settl.fyi/privacy Terms: https://settl.fyi/terms

Screenshots

Fiora4 screens
Settl4 screens

Verdict

The call

The clearest difference is in-app purchases: Settl at none against Fiora's 1. Settl also leads on ads (none vs shown). Fiora's advantage is update cadence (every 2 days vs every 5 days). On price, rating, ratings volume and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Fiora sells 1 in-app purchase, starting at $4.99 per month. Settl asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Fiora against 5.0 for Settl. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

Fiora ships an update every 2 days, Settl every 5 days. Both last shipped on October 31, 2026.

Scorecard4 real differences · 5 level
Fiora versus Settl: the parameters behind the verdict, then further details
ParameterFioraSettl
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Number of ratings11
Update frequencyEvery 2 days — betterEvery 5 days
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS1515.0
Further details — not scored
Size56 MB85 MB
Age rating17+4+
DeveloperMahmudullah .Rahul Raina

Customer experience

Fiora

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Settl

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Fiora

Subscriptions1
  • Fiora Premium Monthly$4.991 Month
None

Settl

No in-app purchases

Questions

Is Fiora free?
Fiora is free to download, with in-app purchases available.
Is Settl free?
Settl is free to download, with no in-app purchases.
Which has better reviews, Fiora or Settl?
Fiora and Settl are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do Fiora or Settl have ads?
Fiora shows ads; Settl does not.
Which is updated more often, Fiora or Settl?
Fiora ships an update every 2 days, and Settl every 5 days. Most recently, Fiora was updated on October 31, 2026 and Settl on October 31, 2026.

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