Expense Splitter vs TipChip

Somebody always pays first. Settle Up keeps score — log who paid for what, split it fairly, and see exactly who owes who, down to the cent. Most group expense apps make everyone create an account and hope the whole trip signs up. Settle Up works the other way: one person keeps the ledger, everyone trusts the math. Every expense is split in exact integer cents — balances always sum to zero — and the settle-up plan clears the whole group in the fewest possible payments. WHAT YOU GET • Add "Pizza, Alex paid" in seconds — every balance updates the moment you save • One glance answers the only question that matters: who owes who, and how much • A settle-up plan that clears a six-person trip in two or three payments instead of fifteen • Split with the whole group or only the people who were actually there • Mark a payment as paid without touching history — the ledger stays auditable • Separate ledgers for the flat, the trip, and the Friday dinner crowd PERFECT FOR • Roommates splitting rent, groceries and the electricity bill • Trip groups who want the holiday to end with numbers, not arguments • Couples keeping shared costs fair without merging their money • Dinner regulars tired of "I'll get the next one" bookkeeping WHY NOT JUST USE A SPREADSHEET? A spreadsheet doesn't know that 100 split three ways isn't 33.33 each — the odd cent has to land somewhere. Settle Up does exact-remainder math so shares always add back up to the total, then works out the minimum set of payments to clear everyone. No formulas, no forgotten rows, no "wait, did we count the taxi?" PRIVATE BY DEFAULT Your ledger lives on your iPhone. No account, no sign-ups for your friends, no bank linking — nothing leaves your device unless you export it. When you're ready, share a settle-up summary to the group chat or export the full ledger as CSV. FULL ACCESS Unlock everything with a weekly or yearly subscription, or a single lifetime purchase. Full access includes groups of any size, multiple separate ledgers, full CSV export of every expense, settlement and balance, and shareable settle-up summaries. Add tonight's dinner before anyone forgets who paid — the balances will be waiting. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia

Split any check in about a minute — no math, no group chat, no awkward reminders. SCAN, DON'T TYPE Point your camera at the receipt. TipChip reads the items, prices, tax, and tip right on your phone — nothing is uploaded anywhere to do it. Bad angle or a blurry shot? Fix any line with two taps before you move on. EVERYONE PICKS THEIR OWN TIP This is the one thing every other bill-splitting app gets wrong: they force the whole table onto a single tip percentage. TipChip doesn't. One person tips 22%, another tips 18%, and nobody has to explain why in the group chat. Quick presets (18/20/22%) or a custom amount, per person, every time. ASSIGN ITEMS IN SECONDS One page per person: tap what they had, then move on to the next. Shared appetizer? Everyone who had a bite taps it on their own page, and TipChip splits that line evenly among just them. SETTLE UP, YOUR WAY When everyone's done, TipChip shows exactly who owes what — broken down by items, tax, and their own tip. Copy any person's share, or share it straight to whatever app you already pay each other with. Or send a clean summary card as an image. TIPCHIP NEVER TOUCHES YOUR MONEY No account to create, no balance to hold, no fees. TipChip works out the split; sending it is yours to do, in the app you already use — your card and bank details never pass through TipChip at all. WORKS OFFLINE The camera, the math, and the split all happen on your phone. No signal at the table? No problem — TipChip only needs a connection when you're ready to share. PAST CHECKS Every settled check is saved automatically so you can look back at what a night out actually cost — no extra "save" button, no extra step. TipChip is built for the moment the check hits the table: fast enough that nobody's phone is out for more than a minute, and fair enough that nobody's stuck footing someone else's tip.