Settle Up vs Heypenny

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

Heypenny makes it easy to split expenses fairly. Perfect for happy hour friends, trip buddies, housemates, and other groups. Free features: • Scan a receipt and we’ll itemize it • Let friends pick what they got and we’ll calculate what they owe, tip + tax included • Share an image summary with the group chat • Figure out the tip quickly with suggestions of 15%, 18%, and 20% Premium features: • Create groups to settle up later • Bring your friends! Joining groups is free • Everyone in a group gets all features: → Scan receipts into groups → Create and edit expenses → Settle up on Venmo → Convert between 150+ currencies → Work offline and sync when you're online → Pay together as a couple or family → And more coming soon! Premium FAQ: https://heypenny.money/premium#faq We do all of this while keeping your data safe: • Your data is never sold or used for advertising • Receipts are scanned offline, directly on your device • We only collect the data we need to run the app Terms of Service: https://heypenny.money/terms-of-service