Settle Up vs Piecemeal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track shared expenses
- Manage IOUs
- Handle complex splits
- Multiple payers support
- Offline functionality
- Real-time exchange rates
- Data export
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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
Piecemeal
Effortlessly divide expenses with friends by simply taking a photo of your receipt. The app automatically assigns items, calculates individual shares including tax and tip, and allows easy sharing of the final bill.
- Receipt scanning
- Item assignment
- Automatic bill calculation
- Tax and tip factoring
- Social media sharing
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Tired of manually splitting dinner or grocery bills and chasing up everyone to pay up? Look no further than Piecemeal! Our app simplifies the process effortlessly. Just snap a photo of your receipt, and watch as it seamlessly uploads to the app. With a few taps, you can easily assign specific items to each person, allowing the bill to be automatically divided, factoring in taxes and tips, ensuring everyone knows their share. And when you're ready, share the bill with your friends using your favorite social media platforms. Say goodbye to bill-splitting headaches and hello to the smooth, efficient experience of Piecemeal!
Screenshots
Verdict
Settle Up and Piecemeal both sit at 4.8 stars, but that hides the real split: 100% of Piecemeal's written reviews are positive against 59% of Settle Up's. Piecemeal also leads on in-app purchases (none vs 14) and ads (none vs shown). Settle Up's advantage is ratings volume (1.8K vs 9). On price, rating 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
Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month. Piecemeal asks for nothing beyond the download.
Piecemeal 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 9, 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 100% of Piecemeal's.
Settle Up ships an update every 2 weeks, Piecemeal weekly. The most recent releases landed on October 21, 2026 and October 16, 2026 respectively.
| Parameter | Settle Up | Piecemeal |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.8K ratings) | 5.0 (9 ratings) — better |
| Positive reviews | 58.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.8K — better | 9 |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.4 | 11.0 — better |
| Further details — not scored | ||
| Size | 103 MB | 27 MB |
| Age rating | 4+ | 4+ |
| Developer | Step Up Labs, Inc. | Jessica Huang |
Customer experience
Settle Up
Piecemeal
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)
Piecemeal
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Settle Up
- Monthly Premium$3.991 Month
- Yearly Premium7 Days trial$19.991 Year
- Group Premium for 1 week$5.99
- Group Premium for 2 weeks$9.99
- Group Premium for 2 months$14.99
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- 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
Piecemeal
No in-app purchases









