Comparison

Settle Up vs ASSEMSA

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

ASSEMSA

Features
Read full description

La aplicación ASSEMSA es la herramienta de colaboración entre usted y su asesoría. Comparta y descargue documentos y tenga acceso a sus impuestos, nóminas, seguros sociales y toda la información necesaria para la gestión de su negocio 24hx7d. Envíe sus facturas, compras y gastos desde su dispositivo mediante una captura fotográfica o subiendo PDF directamente. Podrá visualizar en tiempo real la información contable, fiscal y laboral con completos KPIS completamente personalizables. Además, ASSEMSA pone a su disposición un sistema ERP multi-idioma y multi-divisa, para gestionar su facturación, gestión de compras, cobros y pagos, facturas recurrentes, etc. Todo desde un único dispositivo y adaptado a los cambios legales que se requieren.

Screenshots

Settle Up4 screens
ASSEMSA4 screens

Verdict

The call

The clearest difference is in-app purchases: ASSEMSA at none against Settle Up's 10. ASSEMSA also leads on ads (none vs shown). Settle Up's advantage is update cadence (every 2 weeks vs every 2 months). On price, 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 9 in-app purchases, starting at $3.99 per month. ASSEMSA asks for nothing beyond the download.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, ASSEMSA every 2 months. The most recent releases landed on November 13, 2026 and November 8, 2026 respectively.

Scorecard3 real differences · 7 level
Settle Up versus ASSEMSA: the parameters behind the verdict, then further details
ParameterSettle UpASSEMSA
PriceFreeFree
Rating4.8 (1.8K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.8K — better—
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.417.2 — better
Further details — not scored
Size103 MB212 MB
Age rating4+17+
DeveloperStep Up Labs, Inc.ASESORAMIENTO Y DESARROLLO DE SISTEMAS INFORMATICOS SL

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)

ASSEMSA

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
None

ASSEMSA

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is ASSEMSA free?
ASSEMSA is free to download, with no in-app purchases.
Do Settle Up or ASSEMSA have ads?
Settle Up shows ads; ASSEMSA does not.
Which is updated more often, Settle Up or ASSEMSA?
Settle Up ships an update every 2 weeks, and ASSEMSA every 2 months. Most recently, Settle Up was updated on November 13, 2026 and ASSEMSA on November 8, 2026.

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