SettleGroup vs Kaudal

SettleGroup is a simple expense manager for group splitting and personal spending. Create groups, add expenses, choose who paid and who should share the cost. SettleGroup automatically calculates each person’s share, group balances, and settlement suggestions, so you can spend less time counting and chasing payments. Key features: - Group expense splitting for trips, meals, roommates, families, friends, and events - Personal ledger for tracking your own everyday expenses without creating a group - AI category suggestions based on your expense title - Receipt scanning from camera or photo picker using on-device OCR/AI - Automatic extraction of readable title, amount, date, currency, and category - Separate personal and group budget tracking - Monthly recurring expenses for rent, subscriptions, phone bills, gym fees, and more - Reminders for upcoming payments - Spending insights by category, date, and recent transactions - Multi-currency support, including HKD and CNY - Optional ad unlocks for selected advanced limits

Kaudal splits your household's shared expenses fairly. Family, flatmates or any shared home: what's fair for each member, at a glance. TWO MODELS, ONE GLANCE Should everyone contribute in proportion to their income, or pool everything and get the same back? Kaudal computes both models at once and shows them side by side, so your household can pick whichever feels fairest — and compare them any time. SINKING FUNDS, NO SURPRISES Variable and annual bills (electricity, the February gas bill, property tax) become a monthly provision: cheap months build a cushion, so the spikes don't hurt. You type the annual amount; Kaudal budgets it and rolls the surplus over month after month. SHARED-EXPENSES BALANCE Who paid for dinner? Log everyday expenses, tag them by event (the trip, the move) and settle up with the minimum number of transfers. CLEAN MONEY Beyond each member's contribution, Kaudal shows how much is truly left for each person after shared costs and savings. YOUR HOUSEHOLD, IN SYNC Invite the other members with an iCloud link and everyone sees and edits the same household. On iPhone, iPad and Mac, with widgets and a Live Activity. You can keep several separate households in the same app. PRIVATE BY DESIGN No accounts to create, no third-party servers, no ads: your data lives in your iCloud.