Comparison

Settle Up vs Settle up, Split rent wisely

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

Settle up, Split rent wisely

Easily split expenses and manage shared finances with groups, roommates, or partners. Track all shared costs transparently and know exactly who owes whom, simplifying settlement and eliminating awkward conversations.

Highlights
  • Instant bill splitting (equal or custom)
  • Track shared expenses
  • Know who owes whom
  • Settle up with clear balances
  • Add multiple payers and uneven splits
  • Scan receipts to add expenses
  • Itemized expense tracking
Features
Read full description

Split expenses and manage shared funds with friends, family, roommates, partners, or travel groups. No more awkward conversations, messy spreadsheets, or “who owes who?” drama. Splito keeps everything fair, transparent, and stress-free. Perfect for vacation trips, dinners, events, shared homes, and everyday spending. Why People Love Splito - Split bills instantly - no calculators, no confusion - Track all shared expenses in one place - Always know who owes whom - Settle up easily with simple, clear balances - Works great for trips, roommates, couples, and groups - 100% transparency - everyone sees the same numbers Great For Every Situation - Group trips & vacations – flights, food, fuel, stays, activities - Roommates – rent, groceries, utilities, shared cabs, household costs - Couples – date nights, bills, subscriptions, vacation trips - Friends at dinners or outings – quick check splits - Events & celebrations – parties, gifts, farewell, contributions - Shared budgets – savings pools, group funds, club collections - For NGOs, societies, and clubs - complete transparency that protects trust and relationships. - Gifts, games, parties, rides — split anything with friends in seconds. Top Features - Split bills instantly (equal or custom split) - Track shared expenses for groups, trips, or households - Know exactly who owes whom - Settle up with clear balances - Add multiple payers & uneven splits - Add repeat expenses like rent, subscriptions, easily - Manage funds with your child, spouse, or friends - Scan Receipt and add expenses - Itemization expense tracking - Charts and Graphs for better visuals - Save default split for hassle free experience - Export data in easy to read format - Track funds for NGOs, societies, or clubs with complete transparency - Track and manage your personal expenses with a fund group - Clean, fast, and easy to use Transparent, Private & Secure Your data stays safe and accessible only to you and your groups. No surprises, no confusion — just clean, accurate expense tracking. Terms of Use: https://splito.canopas.com/terms-of-service Questions or Feedback? Reach out to us at https://splito.canopas.com/

Screenshots

Settle Up4 screens
Settle up, Split rent wisely4 screens

Verdict

The call

Settle Up and Settle up, Split rent wisely both sit at 4.8 stars, but that hides the real split: 99% of Settle up, Split rent wisely's written reviews are positive against 59% of Settle Up's. Settle up, Split rent wisely also leads on ads (none vs shown) and iOS requirement (14.0 vs 17.4). Settle Up's advantage is ratings volume (1.7K vs 54). On price, rating, update cadence and in-app purchases 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 Settle up, Split rent wisely sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Settle Up against 4.7 for Settle up, Split rent wisely. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 54, so its average is the more settled of the two. Written reviews are what separate them: 59% of Settle Up's written reviews are positive against 99% of Settle up, Split rent wisely's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on September 24, 2026.

Scorecard4 real differences · 6 level
Settle Up versus Settle up, Split rent wisely: the parameters behind the verdict, then further details
ParameterSettle UpSettle up, Split rent wisely
PriceFreeFree
Rating4.8 (1.7K ratings) — better4.7 (54 ratings)
Positive reviews58.5% of reviews98.6% of reviews — better
Number of ratings1.7K — better54
Update frequencyEvery 2 weeksEvery 2 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.414.0 — better
Further details — not scored
Size103 MB137 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.CANOPAS SOFTWARE LLP

Customer experience

Settle Up

All ratings1,729 ratings
Positive96.5%
Neutral1.2%
Negative2.4%
Written reviews388 reviews
Positive58.5%
Neutral6.2%
Negative35.3%

Settle up, Split rent wisely

All ratings54 ratings
Positive94.4%
Neutral0.0%
Negative5.6%
Written reviews72 reviews
Positive98.6%
Neutral0.0%
Negative1.4%

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)

Settle up, Split rent wisely

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
4 purchases

Settle up, Split rent wisely

Subscriptions3
  • Splito Pro 1 Month2 variants$4.991 Month
  • Splito Pro 1 Year$14.991 Year
  • Splito Pro 1 Year$24.991 Year
One-time1
  • Pro Lifetime$99.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Settle up, Split rent wisely free?
Settle up, Split rent wisely is free to download, with in-app purchases available.
Which has better reviews, Settle Up or Settle up, Split rent wisely?
Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while Settle up, Split rent wisely averages 4.7 from 54 ratings.
Do Settle Up or Settle up, Split rent wisely have ads?
Settle Up shows ads; Settle up, Split rent wisely does not.
Which is updated more often, Settle Up or Settle up, Split rent wisely?
Settle Up ships an update every 2 weeks, and Settle up, Split rent wisely every 2 weeks. Most recently, Settle Up was updated on September 24, 2026 and Settle up, Split rent wisely on September 24, 2026.

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