Comparison

Settl vs PiggySpy

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

Head to head
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

About

PiggySpy

Features
Read full description

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

Settl4 screens
PiggySpy4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PiggySpy sells 5 in-app purchases, starting at $2.99 per month. Settl asks for nothing beyond the download.

UpkeepUpdate frequency

Settl ships an update every 5 days, PiggySpy fortnightly. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 5 level
Settl versus PiggySpy: the parameters behind the verdict, then further details
ParameterSettlPiggySpy
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 5 days — betterFortnightly
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.6
Further details — not scored
Size85 MB7 MB
Age rating4+4+
DeveloperRahul RainaKrzysztof Drapinski

In-app purchases

None

Settl

No in-app purchases

5 purchases

PiggySpy

Subscriptions2
  • Field Agent$2.991 Month
  • Chief Inspector$19.991 Year
One-time3
  • Piggy Fuel$1.99
  • Piggy's Doughnut$5.99
  • Golden Badge$24.99

Questions

Is Settl free?
Settl is free to download, with no in-app purchases.
Is PiggySpy free?
PiggySpy is free to download, with in-app purchases available.
Do Settl or PiggySpy have ads?
Neither Settl nor PiggySpy shows ads.
Which is updated more often, Settl or PiggySpy?
Settl ships an update every 5 days, and PiggySpy fortnightly. Most recently, Settl was updated on October 31, 2026 and PiggySpy on October 29, 2026.

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