# Settle Up vs PayForMe

The clearest difference is in-app purchases: PayForMe at none against Settle Up's 14. PayForMe also leads on ads (none vs shown) and review sentiment (82% vs 59%). Settle Up's advantage is update cadence (every 2 weeks vs every 4 months) and ratings volume (1.7K vs 2). On price and device support there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month. PayForMe asks for nothing beyond the download.

PayForMe 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 2, 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 82% of PayForMe's.

Settle Up ships an update every 2 weeks, PayForMe every 4 months. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Settle Up | PayForMe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/payforme/id1500428306/reviews)** |
| Number of ratings | **1.7K** | 2 |
| Positive reviews | 58.5% of reviews | **81.8% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 103 MB | 4 MB |
| Requires iOS | 17.4 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Jona Koenig](https://appshunter.io/developer/1764825010) |

## 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)


### PayForMe

[App page](https://appshunter.io/ios/app/payforme/id1500428306)

Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.

**Highlights:** Track borrowed money, Manage multiple projects, View member balances, Create and update bills, Clear individual debts, Color-coded user differentiation

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Settle Up free?

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

### Is PayForMe free?

PayForMe is free to download, with no in-app purchases.

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

PayForMe is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while PayForMe averages 5.0 from 2 ratings.

### Do Settle Up or PayForMe have ads?

Settle Up shows ads; PayForMe does not.

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

Settle Up ships an update every 2 weeks, and PayForMe every 4 months. Most recently, Settle Up was updated on October 15, 2026 and PayForMe on October 5, 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.*