# Settle Up vs Spend Together

The clearest difference is ads: Spend Together at none against Settle Up's shown. Spend Together also leads on review sentiment (75% vs 59%) and iOS requirement (11.4 vs 17.4). Settle Up's advantage is ratings volume (1.7K vs 252). On price, rating, update cadence and in-app purchases there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Spend Together sells 3 in-app purchases, starting at $4.99 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 4.8 for Spend Together. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 252, 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 75% of Spend Together's.

Settle Up ships an update every 2 weeks, Spend Together every 10 days. The most recent releases landed on October 2, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Settle Up | Spend Together |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | [4.8 (252 ratings)](https://appshunter.io/ios/app/spend-together/id1446549608/reviews) |
| Number of ratings | **1.7K** | 252 |
| Positive reviews | 58.5% of reviews | **75.5% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 103 MB | 68 MB |
| Requires iOS | 17.4 | **11.4** |
| Devices | iPhone, iPad | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Hanna Shylenko](https://appshunter.io/developer/6782848813) |

## 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 (10)**

| 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 2 months | $14.99 | 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)


### Spend Together

[App page](https://appshunter.io/ios/app/spend-together/id1446549608)

Effortlessly manage shared expenses and split bills with friends, roommates, or partners. Track personal spending, settle debts with optimal payment suggestions, and support multiple currencies. Enjoy privacy with no registration required and offline functionality.

**Highlights:** Split bills automatically, Manage group expenses together, Track personal spending reports, Support for all currencies, No registration or personal data required, Offline functionality with synchronization, Apple Watch support

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PRO: 1 Month | $4.99 | per month |
| PRO: 1 Year | $11.99 | per year |
| PRO: Lifetime | $39.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is Spend Together free?

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

### Which has better reviews, Settle Up or Spend Together?

Settle Up and Spend Together are both rated 4.8 out of 5 on the App Store, from 1.7K and 252 ratings respectively.

### Do Settle Up or Spend Together have ads?

Settle Up shows ads; Spend Together does not.

### Which is updated more often, Settle Up or Spend Together?

Settle Up ships an update every 2 weeks, and Spend Together every 10 days. Most recently, Settle Up was updated on October 2, 2026 and Spend Together on October 3, 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.*