# Settle Up vs Splitser

The clearest difference is ads: Splitser at none against Settle Up's shown. Splitser also leads on review sentiment (76% vs 59%) and iOS requirement (15.5 vs 17.4). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Settle Up sells 9 in-app purchases, starting at $3.99 per month and Splitser sells 10 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.8 for Settle Up against 4.9 for Splitser. Both are backed by a comparable volume of ratings — 1.8K and 597 respectively. Written reviews are what separate them: 59% of Settle Up's written reviews are positive against 76% of Splitser's.

Settle Up ships an update every 2 weeks, Splitser monthly. Both last shipped on November 6, 2026.

## The numbers

| Metric | Settle Up | Splitser |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[4.9 (597 ratings)](https://appshunter.io/ios/app/splitser-wiebetaaltwat/id1154059529/reviews)** |
| Number of ratings | **1.8K** | 597 |
| Positive reviews | 58.5% of reviews | **75.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 103 MB | 102 MB |
| Requires iOS | 17.4 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Splitser B.V.](https://appshunter.io/developer/1794120589) |

## What reviewers say

### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings

**What reviewers complain about**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login

**Reported bugs**

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

**Requested features**

- 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)


### Splitser

[App page](https://appshunter.io/ios/app/splitser-wiebetaaltwat/id1154059529)

Easily manage and settle group expenses with friends, family, or roommates. Track shared costs for trips, household bills, and more, with options to pay directly or request payments. Supports over 150 currencies and offers advanced insights into spending.

**Highlights:** Split expenses equally or by specific amounts, Add receipts via images, Supports over 150 currencies, Direct payment and payment requests, Recurring expenses for subscriptions, Export transactions to CSV/PDF, Offline mode

**Features:** Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitser Premium | $1.99 | per month |
| Splitser Premium | $8.99 | per year |
| Support Splitser | $1.99 | one-time |
| Splitser Ad-free | $2.99 | one-time |
| Support Splitser | $2.99 | one-time |
| Support Splitser | $3.00 | one-time |
| Support Splitser | $3.99 | one-time |
| Support Splitser | $4.00 | one-time |
| Support Splitser | $9.00 | one-time |
| Support Splitser | $22.00 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is Splitser free?

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

### Which has better reviews, Settle Up or Splitser?

Splitser is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while Splitser averages 4.9 from 597 ratings.

### Do Settle Up or Splitser have ads?

Settle Up shows ads; Splitser does not.

### Which is updated more often, Settle Up or Splitser?

Settle Up ships an update every 2 weeks, and Splitser monthly. Most recently, Settle Up was updated on November 6, 2026 and Splitser on November 6, 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.*