Comparison

Settle Up vs Sesterce

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
Currently charting
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

Sesterce

Easily divide expenses for trips, shared living, or group outings. Track all spending and see who owes what. Ideal for couples, friends, and roommates.

Highlights
  • Divide costs among groups
  • Track all spending
  • Collaborative expense adding
  • Password-protected groups
  • Customizable expense categories
  • Export expense data
Features
Read full description

Sesterce makes it simple to divide costs amongst a couple, a group of friends, or roommates. Add up all of your spending, and Sesterce will help you pay it off! Created by roommates, excellent for couples, and essential for a gathering of friends traveling together! - SIMPLE: accounting has never been so simple - COLLABORATIVE: each member can join the group, add an expense and check all the expenses on his phone or computer - ANONYMOUS: no email required - SECURED: all shared groups can be protected with a password Key use cases: • Keeping track of your couples expenses • Split a bill • Organize expenses during a trip (holiday, week-end…) • Expenses with roommates • Repay friends (birthday, bachelor party, trip) • Check who should pay what to whom But that’s not all! Sesterce has many more free features! SELECT THE SHARE FOR EACH MEMBER For each expense, select the number of shares for each group member CREATE YOUR OWN CATEGORIES Add the categories that fit your needs EXPORT ALL DATA With Sesterce you can share a spreadsheet file (.csv) of all the groups expenses Terms of Service: https://www.sesterce.io/terms_and_conditions.html

Screenshots

Settle Up4 screens
Sesterce4 screens

Verdict

The call

The clearest difference is review sentiment: Sesterce at 95% against Settle Up's 59%. Sesterce also leads on ads (none vs shown) and rating (5.0 vs 4.8). Settle Up's advantage is ratings volume (1.7K vs 61) and chart position (#177 vs unranked). On price, update cadence, in-app purchases and monetization model 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 Sesterce sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Sesterce holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 61, so its average is the more settled of the two. Written reviews point the same way: 59% of Settle Up's written reviews are positive against 95% of Sesterce's.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Sesterce every 3 weeks. The most recent releases landed on October 18, 2026 and October 14, 2026 respectively.

Scorecard6 real differences · 5 level
Settle Up versus Sesterce: the parameters behind the verdict, then further details
ParameterSettle UpSesterce
PriceFreeFree
Rating4.8 (1.7K ratings)5.0 (61 ratings) — better
Positive reviews58.5% of reviews95.3% of reviews — better
Number of ratings1.7K — better61
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#177 — better—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size103 MB61 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Stan Kocken

Customer experience

Settle Up

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

Sesterce

All ratings61 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews148 reviews
Positive95.3%
Neutral2.0%
Negative2.7%

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)

Sesterce

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
4 purchases

Sesterce

Subscriptions1
  • All groups premium$1.991 Month
One-time3
  • 30 days of Premium$1.99
  • Premium for Life$4.99
  • All groups of a user$49.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Sesterce free?
Sesterce is free to download, with in-app purchases available.
Which has better reviews, Settle Up or Sesterce?
Sesterce is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while Sesterce averages 5.0 from 61 ratings.
Do Settle Up or Sesterce have ads?
Settle Up shows ads; Sesterce does not.
Which is updated more often, Settle Up or Sesterce?
Settle Up ships an update every 2 weeks, and Sesterce every 3 weeks. Most recently, Settle Up was updated on October 18, 2026 and Sesterce on October 14, 2026.

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