Comparison

Settle Up vs SplitPay

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

SplitPay

Read full description

We’ve been working hard to make splitting expenses even easier are proud to introduce SplitPay 2.0! Here’s what’s new in this update: - Improved UI & Performance – A smoother, faster experience for hassle-free bill splitting. - Track Individual Expenses – Keep an eye on your personal spending alongside shared expenses. - Flexible Splitting Options – Split bills equally or assign specific amounts to each person. - Expense History – View past expenses at a glance and never lose track of who paid what. - Expense Search – Quickly find any expense by name, amount, or date. - Better Expense Tracking – More detailed breakdowns and clearer summaries. - Bug Fixes & Stability Improvements – Squashed some bugs to keep things running smoothly. Got feedback? We’d love to hear from you! Drop us a message and let us know how we can make the app even better. Tired of the awkward dance when the restaurant check arrives? Say goodbye to those confusing moments and hello to SplitPay, the ultimate app for painless check splitting with friends and family! Key Features: - Dine and Divide: SplitPay simplifies splitting restaurant checks effortlessly. No more manual calculations or confusion - just open app and let SplitPay handle the rest. - Fair and Fast: Calculate individual shares within your group in seconds, ensuring everyone pays their fair share. Say goodbye to awkward calculations and disputes over who owes what.

Screenshots

Settle Up4 screens
SplitPay4 screens

Verdict

The call

The clearest difference is in-app purchases: SplitPay at none against Settle Up's 14. SplitPay also leads on ads (none vs shown). On price, update cadence, device support and iOS requirement 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. SplitPay asks for nothing beyond the download.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, SplitPay monthly. The most recent releases landed on September 27, 2026 and September 11, 2026 respectively.

Scorecard2 real differences · 8 level
Settle Up versus SplitPay: the parameters behind the verdict, then further details
ParameterSettle UpSplitPay
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 2 weeks — betterMonthly
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.417.0 — better
Further details — not scored
Size103 MB5 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Maksym Mashkov

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)

SplitPay

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
None

SplitPay

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is SplitPay free?
SplitPay is free to download, with no in-app purchases.
Do Settle Up or SplitPay have ads?
Settle Up shows ads; SplitPay does not.
Which is updated more often, Settle Up or SplitPay?
Settle Up ships an update every 2 weeks, and SplitPay monthly. Most recently, Settle Up was updated on September 27, 2026 and SplitPay on September 11, 2026.

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