Settle Up vs Spend Together

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

Spend Together is an app dedicated to help you and your friends manage joint expenses painlessly. It’s suitable for trips with friends, roommates, couples or any other IOUs. Get rid off paper bills and spend more time on things that matter, rather than arguing about who owes whom and how much. - SPLIT BILLS Just input bill details and Spend Together will do all the dirty work for you. It will calculate group debts and suggest optimal payments to settle them up. - SHARED ACCESS Send a personal invitation link to your friend to manage group expenses together. Each participant has full access to the group debts and data. - TRACK YOUR PERSONAL EXPENSES A comprehensive report will show your personal share in group expenses, so you can tell where your money goes (eg. on food, housing, transport, etc.). - ALL CURRENCIES Spend Together supports all currencies and forms reports using up-to-date exchange rates. Add expenses and settle debts in any convenient currency. - NO REGISTRATION, NO PERSONAL DATA We care about your privacy. Spend Together requires no registration or personal data. - WORKS OFFLINE All changes made offline will be securely synchronized with the server when internet connection is available. - APPLE WATCH SUPPORT Add expenses and track your group debts on the go with Apple Watch. ==== SPEND TOGETHER PRO Spend Together PRO is an optional paid subscription. Your support tells us we're doing the right thing and helps us improve the app. PRO version unlocks these advanced features: • Detailed statistics of expenses so you can see where your money goes • Unlimited number of groups for every life occasion • Modifiable exchange rates: so you can set your own exchange rate instead of a default one • Color customization: customize your groups with additional colors Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Subscriptions may be managed and auto-renewal may be turned off by going to the user's Account Settings after purchase. Terms of use: https://spendtogether.app/terms_of_use.html Privacy policy: https://spendtogether.app/privacy_policy.html ====