Comparison

Settle Up vs WeXpense

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

Head to head
About

Settle Up

Easily track shared expenses and IOUs for groups like travelers, flatmates, or friends. Handles complex splits, multiple payers, incomes, and items from bills. Works offline and across platforms, minimizing transfers and offering real-time exchange rates.

Highlights
  • Track shared expenses
  • Manage IOUs
  • Handle complex splits
  • Multiple payers support
  • Offline functionality
  • Real-time exchange rates
  • Data export
Features
Read full description

Settle group expenses without the stress. Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner? Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun. Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances! WHY SETTLE UP? – Split anything: Whether it’s an even split, unequal weights, or multiple people paying for one item, we handle every real-life scenario. – Smart settlements: Our unique algorithm calculates the fewest possible transfers to settle all debts, saving you time and transaction fees. – Works everywhere: Sync data across other platforms. No internet? No problem — it works offline and syncs when you’re back. – No app required: Share a group link so friends can view the balance in their browser without downloading anything. POWERFUL FEATURES FOR REAL LIFE – Global ready: Supports all currencies with real-time exchange rates for international travel. – Ultra-fast sharing: Invite friends via a simple link or a QR code. – Export & reports: Need a deep dive? Export your data to CSV for easy accounting. – Instant transparency: Get notified the second someone adds an expense or settles up. Settle Up will even remind group members automatically and nudge them to settle their debts. UPGRADE TO PREMIUM FOR THE FULL EXPERIENCE Unlock the tools designed for power users and frequent travelers: – Ad-free: Focus on your finances without distractions. – Receipt photos: Snap and store bills directly in the group. – Recurring & future expenses: Automate rent, subscriptions, and utility bills. – Custom categories: Organize your spending with colorful, personalized labels. – Export to Excel: Get a full expense report in a spreadsheet. – Statistics: View charts on spend by categories and members. Stop worrying about the math. Start enjoying the moment. Download Settle Up today and sail through your next group expense! Visit our Terms of Service and Privacy policy at: https://settleup.io/tos.html

About

WeXpense

Effortlessly track and split group expenses for trips, parties, or any shared event. Manage costs per individual, see who paid what, and determine who owes whom, all from your mobile device or desktop.

Highlights
  • Track and split expenses
  • Share expenses among group participants
  • Access from website or mobile app
  • Offline functionality
  • No username/password required
Features
Read full description

WeXpense is a simple and powerful split expenses app that helps you track shared costs, split bills fairly, and settle balances without confusion. Whether you're traveling, going on a road trip, organizing a party, planning a picnic, or managing any group event, WeXpense keeps every shared expense organized in one place. With WeXpense, you can record every expense, see how much each person has paid, and instantly know who owes money and who should receive it. No spreadsheets, manual calculations, or awkward conversations about money. Why Choose WeXpense? - Clean and user-friendly interface - Fast and simple expense entry - Automatic bill splitting - Automatic balance updates - Multi-currency support - Works offline and syncs online - Secure cloud backup - Perfect for travelers, friends, families, roommates, and teams Whether you need a group budget app for your next trip, WeXpense helps you stay organized while everyone contributes fairly. Stop worrying about who paid for what. Let us handle the calculations so you can focus on making memories with your group. Download WeXpense today and enjoy the easiest way to split bills, track shared expenses, and settle balances with confidence. How to Use WeXpense: - Create a new group for your trip, vacation, party, event, office outing, or any shared activity. - Share the group link or invite your friends, family, or teammates so everyone can join and contribute. - Enter the expense amount, choose who paid, add a category or note if needed, and save it. - Split the bill equally, by percentage, by shares, or enter custom amounts based on your group's needs. - See a complete record of every payment, including who paid, when they paid, and how much they contributed. - Instantly see who owes money, who should receive money, and the exact settlement amount. - Pay the required amount and mark the transaction as settled to keep everyone's balance up to date. - Review all expenses, payment history, and spending summaries anytime from your group dashboard. WeXpense is ideal for: - Student tours & group events - Travel & vacations - Camping & road trips - Parties & celebrations - Family trips - Picnics & reunions - Business travel Whatever the occasion, WeXpense makes managing shared expenses simple, fair, and stress-free. Key Features - Split Expenses with Ease: Record shared expenses in seconds and let WeXpense automatically calculate everyone's share. Whether it's accommodation, transportation, food, or activities, every expense is split fairly and accurately. - Powerful Travel Expense Tracker: Keep all your travel expenses organized in one place. Monitor your spending, stay within budget, and enjoy your trip without worrying about unexpected costs. - Works Offline & Syncs Online: No internet connection? No problem. Add and manage expenses offline, then automatically sync your data across devices once you're back online. - Accurate Balance Calculation: Instantly see who owes whom with automatic balance calculations. Settle expenses quickly without manual calculations or confusion. - Complete Expense History: Access a detailed history of your expenses, payments, and settlements anytime. Keep every trip and group expense organized for future reference. Unlock Pro Features: - Access Control: Manage permissions with Admin, Editor, and Viewer roles. - Private Groups: Share expenses securely with selected members only. - Real-Time Notifications: Stay updated on every expense and payment. - Custom Categories: Create categories that fit your needs. - Invoice Upload: Attach bills and receipts to every expense. - PDF Export: Download detailed expense reports in PDF format. - Archive Groups: Keep completed groups without deleting data. Terms of Use: https://www.expensecount.com/pages/termscondition

Screenshots

Settle Up4 screens
WeXpense4 screens

Verdict

The call

The clearest difference is ads: WeXpense at none against Settle Up's shown. WeXpense also leads on review sentiment (80% vs 59%) and iOS requirement (15.6 vs 17.4). Settle Up's advantage is ratings volume (1.7K vs 110). On price, rating, update cadence and in-app purchases 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. Settle Up sells 10 in-app purchases, starting at $3.99 per month and WeXpense sells 2 in-app purchases, starting at $2.29 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Settle Up against 4.7 for WeXpense. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 110, so its average is the more settled of the two. Written reviews are what separate them: 59% of Settle Up's written reviews are positive against 80% of WeXpense's.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, WeXpense monthly. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
Settle Up versus WeXpense: the parameters behind the verdict, then further details
ParameterSettle UpWeXpense
PriceFreeFree
Rating4.8 (1.7K ratings) — better4.7 (110 ratings)
Positive reviews58.5% of reviews79.5% of reviews — better
Number of ratings1.7K — better110
Update frequencyEvery 2 weeks — betterMonthly
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.415.6 — better
Further details — not scored
Size103 MB34 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.ExpenseCount Inc.

Customer experience

Settle Up

All ratings1,729 ratings
Positive96.5%
Neutral1.2%
Negative2.4%
Written reviews388 reviews
Positive58.5%
Neutral6.2%
Negative35.3%

WeXpense

All ratings110 ratings
Positive94.5%
Neutral1.8%
Negative3.6%
Written reviews83 reviews
Positive79.5%
Neutral7.2%
Negative13.3%

Bugs and requests

Settle Up

Reported bugs

4 issues
  • Expense details disappearing
  • Inability to create new groups
  • Keyboard issues on iOS 8
  • Incompatibility with iPad

Requested features

3 requests
  • Ability to assign fixed amounts to group members
  • Option to adjust expense shares (e.g. exclude certain items)
  • Support for paying groups (multi-family events)

WeXpense

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Settle Up

Subscriptions2
  • Monthly Premium$3.991 Month
  • Yearly Premium7 Days trial$19.991 Year
One-time8
  • Group Premium for 1 week$5.99
  • Group Premium for 2 weeks$9.99
  • Group Premium for 2 months$14.99
Show 5 more
  • Group Premium for 1 month$14.99
  • Group Premium for 2 months$29.99
  • Group Premium5 variants$39.99
  • Group Premium for 1 year$39.99
  • Lifetime Group Premium$149.99
2 purchases

WeXpense

Subscriptions2
  • Monthly Premium$2.291 Month
  • 6 Months Premium$9.996 Months

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is WeXpense free?
WeXpense is free to download, with in-app purchases available.
Which has better reviews, Settle Up or WeXpense?
Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while WeXpense averages 4.7 from 110 ratings.
Do Settle Up or WeXpense have ads?
Settle Up shows ads; WeXpense does not.
Which is updated more often, Settle Up or WeXpense?
Settle Up ships an update every 2 weeks, and WeXpense monthly. Most recently, Settle Up was updated on October 13, 2026 and WeXpense on October 14, 2026.

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