# Settle Up vs Divider

The clearest difference is ads: Divider at none against Settle Up's shown. Divider also leads on monetization model (free vs free with in-app purchases). Settle Up's advantage is review sentiment (59% vs 50%). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Settle Up sells 9 in-app purchases, starting at $3.99 per month and Divider sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Settle Up ships an update every 2 weeks, Divider every 3 weeks. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Settle Up | Divider |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | — |
| Number of ratings | **1.8K** | — |
| Positive reviews | **58.5% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 103 MB | 5 MB |
| Requires iOS | **17.4** | 17.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Sergei Volkov](https://appshunter.io/developer/1385708952) |

## 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)


### Divider

[App page](https://appshunter.io/ios/app/divider-share-your-expenses/id1476506565)

Easily calculate and distribute shared expenses among participants. Input who paid what, and the app automatically determines optimal debt payments for everyone. Features an instant results button with an efficient calculation algorithm.

**Highlights:** Accurate expense calculation, Automatic debt distribution, Participant expense tracking, Instant results button, Optimal calculation algorithm

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full version | $1.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is Divider free?

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

### Do Settle Up or Divider have ads?

Settle Up shows ads; Divider does not.

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

Settle Up ships an update every 2 weeks, and Divider every 3 weeks. Most recently, Settle Up was updated on November 11, 2026 and Divider on November 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.*