# Settli vs Ownspend

The clearest difference is in-app purchases: Settli at none against Ownspend's 3. Settli also leads on update cadence (weekly vs fortnightly). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Ownspend sells 3 in-app purchases, starting at $2.99 per month. Settli asks for nothing beyond the download.

Settli ships an update weekly, Ownspend fortnightly. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Settli | Ownspend |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free | — |
| Size | 17 MB | 29 MB |
| Requires iOS | 18 | **17.0** |
| Devices | **iPhone, iPad, Mac, Apple Watch, Vision Pro** | iPhone, iPad, Mac, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [SEBASTIEN KAROL MACIOLEK](https://appshunter.io/developer/6771513392) | [Moaath Othman](https://appshunter.io/developer/866641649) |

## What reviewers say

### Settli

[App page](https://appshunter.io/ios/app/settli-settle-your-accounts/id6771513390)

Easily track money owed between friends, family, or colleagues. See who owes you and what you owe, with options to add notes, photos, and set reminders. Your data is kept private and syncs across Apple devices.

**Highlights:** Track multiple debts per person, Add categories and notes to debts, Attach photos for person identification, Mark debts as settled or reactivate, Set debt reminders, Supports multiple currencies, Syncs via iCloud across Apple devices

**Features:** Apple Watch app

**In-app purchases:** none


### Ownspend

[App page](https://appshunter.io/ios/app/ownspend-expense-tracker/id6785949216)

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $2.99 | per month |
| Pro Yearly | $14.99 | per year |
| ClearSpend Pro | $29.99 | one-time |


## Frequently asked questions

### Is Settli free?

Settli is free to download, with no in-app purchases.

### Is Ownspend free?

Ownspend is free to download, with in-app purchases available.

### Do Settli or Ownspend have ads?

Neither Settli nor Ownspend shows ads.

### Which is updated more often, Settli or Ownspend?

Settli ships an update weekly, and Ownspend fortnightly. Most recently, Settli was updated on October 24, 2026 and Ownspend on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*