# Settle Up vs Heypenny

Settle Up and Heypenny both sit at 4.8 stars, but that hides the real split: 100% of Heypenny's written reviews are positive against 59% of Settle Up's. Heypenny also leads on ads (none vs shown). Settle Up's advantage is ratings volume (1.8K vs 20). On price, rating, update cadence and in-app purchases there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Heypenny sells 2 in-app purchases, starting at $9.00 per 3 months. Whichever you choose, the download price is not the number that matters.

Heypenny holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 20, so its average is the more settled of the two. Written reviews point the same way: 59% of Settle Up's written reviews are positive against 100% of Heypenny's.

Settle Up ships an update every 2 weeks, Heypenny every 3 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Settle Up | Heypenny |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (20 ratings)](https://appshunter.io/ios/app/heypenny-split-bills-fairly/id6478797377/reviews)** |
| Number of ratings | **1.8K** | 20 |
| Positive reviews | 58.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 103 MB | 42 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Ryan Moelter](https://appshunter.io/developer/1611860684) |

## What reviewers say

### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 2 months | $14.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings

**What reviewers complain about**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login

**Reported bugs**

- Expense details disappearing
- Inability to create new groups
- Keyboard issues on iOS 8
- Incompatibility with iPad

**Requested features**

- 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)


### Heypenny

[App page](https://appshunter.io/ios/app/heypenny-split-bills-fairly/id6478797377)

Effortlessly divide shared costs among friends, housemates, or travel companions. Scan receipts to itemize expenses, calculate individual balances including tip and tax, and easily settle up with integrated payment options. Offers offline functionality and multi-currency support for seamless group expense management.

**Highlights:** Scan and itemize receipts, Calculate individual balances, Tip and tax calculation, Group expense management, Venmo settlement integration, Multi-currency conversion, Offline functionality

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Heypenny premium | $9.00 | per 3 months |
| Heypenny premium | $24.00 | per year |


## Frequently asked questions

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Is Heypenny free?

Heypenny is free to download, with in-app purchases available.

### Which has better reviews, Settle Up or Heypenny?

Heypenny is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while Heypenny averages 5.0 from 20 ratings.

### Do Settle Up or Heypenny have ads?

Settle Up shows ads; Heypenny does not.

### Which is updated more often, Settle Up or Heypenny?

Settle Up ships an update every 2 weeks, and Heypenny every 3 weeks. Most recently, Settle Up was updated on October 26, 2026 and Heypenny on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*