Comparison

Settle Up vs SplitList Pro

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

SplitList Pro

Features
Read full description

SplitList is a user-friendly app designed to simplify expense tracking and group expense splitting with ease. With a clean and intuitive interface, it enables you to effortlessly split expenses among friends, family, or colleagues, while providing a comprehensive overview of your finances. Capture the essence of your transactions by uploading photos for each expense, making your financial records more visually engaging and memorable. Key Features: - Simplified Expense Splitting: SplitList streamlines the process of splitting expenses, whether it's for shared bills, group trips, or any other scenario where costs need to be divided. Effortlessly split expenses among multiple individuals, keeping everyone accountable and saving you from tedious calculations. - Easy Expense Management: The app makes managing expenses a breeze. Create lists for different occasions, such as vacations, parties, or household expenses. Add expenses on-the-go, specifying the amount, category, and participants involved. SplitList automatically calculates and distributes costs, minimizing the need for manual calculations. - Intuitive Overview: Gain valuable insights into your spending habits with SplitList's intuitive overview. Visualize your expenses through graphs and charts, allowing you to track your expenditure patterns and identify areas for potential savings. Stay informed about your financial status at a glance. - Capture and Attach Photos: Remember your expenses with a personal touch. Attach photos to your transactions, bringing your financial records to life. Whether it's a picture of a memorable meal or a receipt, visual references enhance the clarity and accuracy of your transactions. - Sync and Share: Collaborate seamlessly by syncing your expense lists with others. Share lists with friends, family, or colleagues, allowing everyone involved to view and contribute to the expenses. SplitList keeps everyone in the loop and eliminates confusion surrounding shared expenses. - Data Security and Privacy: We understand the importance of your financial data's privacy and security. SplitList employs robust encryption and secure data storage practices to safeguard your information. Rest assured that your personal and financial details are protected. Download SplitList now and embark on a hassle-free journey of expense splitting and tracking. Simplify your financial management, share costs effortlessly, and bring a touch of personalization to your transactions with photo attachments. Start saving time, money, and energy today! "SplitList Pro" adhere's to Apple Standard End User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Settle Up4 screens
SplitList Pro4 screens

Verdict

The call

The clearest difference is ads: SplitList Pro at none against Settle Up's shown. On price, update cadence, in-app purchases and device support 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 10 in-app purchases, starting at $3.99 per month and SplitList Pro sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, SplitList Pro every 10 days. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

Scorecard1 real difference · 9 level
Settle Up versus SplitList Pro: the parameters behind the verdict, then further details
ParameterSettle UpSplitList Pro
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 2 weeksEvery 10 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.4 — better17.6
Further details — not scored
Size103 MB4 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Worathiti Manosroi

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)

SplitList Pro

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Settle Up

Subscriptions2
  • Monthly Premium$3.991 Month
  • Yearly Premium7 Days trial$19.991 Year
One-time8
  • Group Premium for 1 week$5.99
  • Group Premium for 2 weeks$9.99
  • Group Premium for 2 months$14.99
Show 5 more
  • Group Premium for 1 month$14.99
  • Group Premium for 2 months$29.99
  • Group Premium5 variants$39.99
  • Group Premium for 1 year$39.99
  • Lifetime Group Premium$149.99
2 purchases

SplitList Pro

Subscriptions2
  • Splitlist Pro - Monthly3 Days trial$1.991 Month
  • Splitlist Pro - Yearly7 Days trial$8.991 Year

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is SplitList Pro free?
SplitList Pro is free to download, with in-app purchases available.
Do Settle Up or SplitList Pro have ads?
Settle Up shows ads; SplitList Pro does not.
Which is updated more often, Settle Up or SplitList Pro?
Settle Up ships an update every 2 weeks, and SplitList Pro every 10 days. Most recently, Settle Up was updated on September 24, 2026 and SplitList Pro on September 10, 2026.

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