Comparison

Settle Up vs 萬記帳

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
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

萬記帳

Features
Read full description

萬記帳,陪你一起去旅行的記帳App! Make it Simple. 以簡馭繁 致力於打造一種生活型態,讓美感融入你的日常 ------ 你有跟我一樣的困擾嗎? 每到月底才發現錢不知道都花去哪裡了 聽了朋友建議後開始記帳 但總覺得記帳App的介面好難懂,光是學習操作就花好長一段時間 最後也沒辦法養成習慣,不斷在循環中難受一整天 現在,我們為你帶來全新版本的萬記帳! 陪你踏出理財最簡單的第一步 p.s. 適合學生、上班族,想要簡單記帳,又講求實用、注重簡約美感的人 ▼個人記帳六大特色功能▼ 一、獲大量用戶5星好評的【簡約風格介面】,三秒完成記帳,讓你輕鬆養成理財習慣 二、最直觀好懂的【豐富統計圖表】,幫助你更認識自己的消費習慣,財務狀況一目了然 三、整合財政部【電子發票系統】,只要刷載具就能自動記帳,不怕漏帳 四、全新設計的【四大帳戶功能】,提供現金、信用卡、銀行帳戶和行動支付分類,一手掌握金流 五、打造你的【夢想清單】,建立各種存錢目標,還能隨時分享到 Instagram 限時動態,讓朋友督促你記帳 六、登入會員就能【雲端自動備份】,換裝置也不用擔心紀錄遺失 ------ 還在為出遊跟朋友算錢感到煩惱嗎? 為你帶來超過 4 萬人 分帳首選的「旅行模式」 困難的算錢問題就交給萬記帳就好 你負責享受旅行當下,跟好友一起紀錄美好回憶! ▼群組分帳四大特色功能▼ 一、邀請朋友加入群組,一起紀錄【共同開銷】 二、旅行結束輕鬆【一鍵結算】,該給彼此多少錢一看就知道 三、結合Google Map,跟朋友【同步規劃行程】超方便! 四、自動換算【外幣匯率】,支援全球超過150種貨幣,跨國出遊也不用煩惱 有了萬記帳,不怕忘記帳,希望能成為支撐你築夢的力量! 我們注重使用體驗勝過一切 任何關於萬記帳的問題都歡迎跟我們聯繫 你的想法會是幫助我們更進步的一大助力! 聯絡方式 Email:developer@onefactorial.tw Instagram:onefactorial 參考文件 使用者授權條款:https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 隱私權政策:https://www.onefactorial.tw/privacy_policy.html

Screenshots

Settle Up4 screens
萬記帳4 screens

Verdict

The call

The clearest difference is ads: 萬記帳 at none against Settle Up's shown. 萬記帳 also leads on iOS requirement (15.0 vs 17.4). Settle Up's advantage is ratings volume (1.8K vs 1). On price, rating, update cadence and in-app purchases 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 9 in-app purchases, starting at $3.99 per month and 萬記帳 sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

萬記帳 holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, 萬記帳 every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
Settle Up versus 萬記帳: the parameters behind the verdict, then further details
ParameterSettle Up萬記帳
PriceFreeFree
Rating4.8 (1.8K ratings)5.0 (1 ratings) — better
Positive reviews58.5% of reviews—
Number of ratings1.8K — better1
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.415.0 — better
Further details — not scored
Size103 MB86 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.ONEFACTORIAL TECHNOLOGY LTD.

Customer experience

Settle Up

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

萬記帳

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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)

萬記帳

Not enough reviews yet to summarise bugs or requests.

In-app purchases

9 purchases

Settle Up

Subscriptions2
  • Monthly Premium$3.991 Month
  • Yearly Premium7 Days trial$19.991 Year
One-time7
  • Group Premium for 1 week$5.99
  • Group Premium for 2 weeks$9.99
  • Group Premium for 1 month$14.99
Show 4 more
  • Group Premium for 2 months$29.99
  • Group Premium2 variants$39.99
  • Group Premium for 1 year$39.99
  • Lifetime Group Premium$149.99
10 purchases

萬記帳

Subscriptions3
  • Deluxe會員_訂閱一個月$0.991 Month
  • Deluxe會員_訂閱一年(週年限時優惠)7 Days trial$9.991 Year
  • Subscribe for One Year$11.991 Year
One-time7
  • 萬記帳幣_50點$0.99
  • 萬記帳幣_100點$1.99
  • 萬記帳幣_150點$2.99
Show 4 more
  • 萬記帳幣_200點$3.99
  • 萬記帳幣_500點$7.99
  • 萬記帳幣_800點$11.99
  • Deluxe Member - Lifetime$29.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is 萬記帳 free?
萬記帳 is free to download, with in-app purchases available.
Which has better reviews, Settle Up or 萬記帳?
萬記帳 is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while 萬記帳 averages 5.0 from 1 ratings.
Do Settle Up or 萬記帳 have ads?
Settle Up shows ads; 萬記帳 does not.
Which is updated more often, Settle Up or 萬記帳?
Settle Up ships an update every 2 weeks, and 萬記帳 every 3 weeks. Most recently, Settle Up was updated on November 1, 2026 and 萬記帳 on November 3, 2026.

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