Settle Up vs SplitAll
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
SplitAll
Easily track shared expenses for trips, roommates, or group gifts. Record payments, calculate balances, and manage debts with custom or equal shares. Supports multiple currencies and generates detailed reports.
- Create events for shared costs
- Track payments and balances
- Custom or equal expense shares
- Multiple currency support
- Detailed HTML/PDF reports
- Repayment tracking
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Create an event for a trip, shared home, dinner or shared gift. Add participants and record payments in SplitAll to keep track of who paid. • Calculated balances and debts for events where calculation is available • Equal or custom shares for your expenses created on this device, where these options are available • Record payments from more than one payer for an expense • Multiple supported currencies, with an event base currency and selected conversion rates • Track repayments and remaining balances in events with calculation and repayment tracking available • Detailed HTML reports for events where reporting is available • Useful for trips, roommates, couples, teams and families From one dinner to a long group vacation, keep a clear record of your shared costs. Free: up to 3 events, up to 10 participants and 10 expenses per event, up to 10 remote connections in view-only mode. Premium (subscription): no limits on events, participants, expenses or remote connections in view-only mode; PDF reports. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Payment is charged to your Apple ID account at confirmation of purchase. You can manage the subscription and turn off auto-renew in your App Store account settings. Prices are shown on the purchase screen in the app. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Settle Up at 4.8 against SplitAll's 4.0. Settle Up also leads on ratings volume (1.8K vs 1) and update cadence (every 2 weeks vs every 3 months). SplitAll's advantage is review sentiment (100% vs 59%) and iOS requirement (15.0 vs 17.4). On price, ads, in-app purchases and monetization model 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 9 in-app purchases, starting at $3.99 per month and SplitAll sells 4 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Settle Up holds the better App Store score, 4.8 against 4.0. 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. Written reviews complicate that: 59% of Settle Up's written reviews are positive against 100% of SplitAll's, so the app with the better star average is not the one people write more warmly about.
Settle Up ships an update every 2 weeks, SplitAll every 3 months. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.
| Parameter | Settle Up | SplitAll |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.8K ratings) — better | 4.0 (1 ratings) |
| Positive reviews | 58.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.8K — better | 1 |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.4 | 15.0 — better |
| Further details — not scored | ||
| Size | 103 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | Step Up Labs, Inc. | ALEXEY OSTROGRADSKIY |
Customer experience
Settle Up
SplitAll
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)
SplitAll
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 1 month$14.99
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- Group Premium for 2 months$29.99
- Group Premium2 variants$39.99
- Group Premium for 1 year$39.99
- Lifetime Group Premium$149.99
SplitAll
- PRO Weekly$1.997 Days
- PRO Monthly$3.991 Month
- PRO Yearly Plus3 Days trial$24.991 Year
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- PRO Yearly$29.991 Year









