Owemint vs Let's Settle Up

Owemint is a simple debt tracker and personal finance tool that helps you keep track of money owed between people without spreadsheets, group chats, or awkward follow-ups. Whether a friend still owes you for dinner or you need to remember what you borrowed, Owemint gives you one clear place to see who owes what. Think of it as your personal debt manager, IOU tracker, and payment tracker rolled into one. HOW IT WORKS Add a person, enter an amount, and choose the direction: They Owe You or You Owe Them. Each person gets their own running history, and you can log partial payments until a balance is fully settled. The same person owes you in both directions? Owemint keeps them separate so nothing gets mixed up. WHAT YOU CAN DO - Track money owed to you and money you owe — a loan tracker with two ledgers in one app - Record partial payments and see remaining balances at a glance - Set due dates and get gentle reminders before, on, and after the due date - Attach receipt photos or proof of payment to any entry (Pro) - Lock the app behind Face ID, Touch ID, or a PIN - Back up and sync automatically with Apple iCloud (Pro) - Export and restore local backups anytime, completely offline - Export your records to CSV for spreadsheets or reports (Pro) - View stats: net balance, what's owed to you, what's overdue - Search by person or reason to find any entry fast FREE VS PRO Owemint is free to use with a cap on people. You get unlimited basic reminders, full backup and restore, and app lock, forever. Upgrade to Owemint Pro for a one-time purchase. No subscription, no recurring charges. Pay once, keep Pro forever. Pro unlocks: - Unlimited people - Automatic iCloud Sync - Photo attachments on any entry - Recurring overdue reminders (every 3, 7, 14, or 30 days) - CSV export PERSONAL BY DESIGN Your debt records stay on your device and in your personal Apple iCloud (with Owemint Pro). Owemint does not run servers and does not require an account. The app collects anonymized crash reports and performance diagnostics to help us improve stability and fix bugs, but it does not collect user tracking or advertising data. You can opt out of crash reporting or turn off iCloud Sync anytime in Settings. What you track is yours alone. QUESTIONS OR FEEDBACK? Reach us at the support email in Settings. We read every message.

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: • Receipt scanning — snap a photo and AI turns the items into expenses • 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 11 languages, push notifications included. 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 contact@letssettleup.com. Let's Settle Up! — because friendship shouldn't end with an awkward conversation about money.