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.
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
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.
- 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
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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
Verdict
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
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.
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.
Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on September 24, 2026.
| Parameter | Settle Up | Settle up, Split rent wisely |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.7K ratings) — better | 4.7 (54 ratings) |
| Positive reviews | 58.5% of reviews | 98.6% of reviews — better |
| Number of ratings | 1.7K — better | 54 |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.4 | 14.0 — better |
| Further details — not scored | ||
| Size | 103 MB | 137 MB |
| Age rating | 4+ | 4+ |
| Developer | Step Up Labs, Inc. | CANOPAS SOFTWARE LLP |
Customer experience
Settle Up
Settle up, Split rent wisely
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
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
Settle up, Split rent wisely
- Splito Pro 1 Month2 variants$4.991 Month
- Splito Pro 1 Year$14.991 Year
- Splito Pro 1 Year$24.991 Year
- Pro Lifetime$99.99
Questions
Is Settle Up free?
Is Settle up, Split rent wisely free?
Which has better reviews, Settle Up or Settle up, Split rent wisely?
Do Settle Up or Settle up, Split rent wisely have ads?
Which is updated more often, Settle Up or Settle up, Split rent wisely?
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