Settl vs PiggySpy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
PiggySpy
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PiggySpy turns tracking your money into detective work — and it stays out of your way while doing it. ADD AN EXPENSE IN THREE TAPS A numeric keypad with a built-in calculator. Type 12+8, pick a category, done. SEE WHERE IT GOES A donut chart by category for any period: day, week, month, year or a custom range. Charts for spending over time, income against expenses and money flow. A REPORT THAT WATCHES THE MONTH A month-end forecast, a comparison with your typical month and your spending pace. Categories that stray from the usual stand out at once — and any category can carry a monthly limit. SAVINGS, KEPT SEPARATE Mark a category as savings — bonds or a deposit stop counting as spending and get their own place on the home screen, in the report and on the charts. SHARE AN ACCOUNT Run a household budget with someone else. Both of you see and add entries on the same account, using the same categories, so the totals always agree. Your other accounts stay private. BRING YOUR HISTORY WITH YOU Import a CSV from another app — PiggySpy proposes the column mapping and creates missing categories. Export back to CSV or paste straight into a spreadsheet. MADE FOR EVERY DAY Multiple accounts. Recurring payments added automatically. Face ID lock. Themes and colours you can adjust. Available in English, Polish, German, Spanish, French, Italian, Portuguese, Japanese and Chinese. YOUR DATA IS YOURS Everything lives on your device and in your private iCloud. There is no PiggySpy server, no account to create, no ads and no tracking. We cannot see your finances — nobody can. FREE, WITH AN OPTIONAL TIP Every feature above is free forever. If PiggySpy earns its keep, you can support it — supporters get an alternate app icon, True Black mode, extra themes and shared accounts. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://github.com/sucre06/PiggySpy-assets/blob/main/privacy-policy.md
Screenshots
Verdict
The clearest difference is in-app purchases: Settl at none against PiggySpy's 5. Settl also leads on update cadence (every 5 days vs fortnightly) and device support (3 vs 1). On price and ads 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
Both are free to download. PiggySpy sells 5 in-app purchases, starting at $2.99 per month. Settl asks for nothing beyond the download.
Settl ships an update every 5 days, PiggySpy fortnightly. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.
| Parameter | Settl | PiggySpy |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 5 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 85 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | Rahul Raina | Krzysztof Drapinski |
In-app purchases
Settl
No in-app purchases
PiggySpy
- Field Agent$2.991 Month
- Chief Inspector$19.991 Year
- Piggy Fuel$1.99
- Piggy's Doughnut$5.99
- Golden Badge$24.99









