# Settle Up vs Splital

The clearest difference is review sentiment: Splital at 98% against Settle Up's 59%. Splital also leads on ads (none vs shown) and update cadence (every 5 days vs every 2 weeks). Settle Up's advantage is ratings volume (1.8K vs 22) and rating (4.8 vs 4.5). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Splital sells 7 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Settle Up holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 22, so its average is the more settled of the two. Written reviews complicate that: 59% of Settle Up's written reviews are positive against 98% of Splital's, so the app with the better star average is not the one people write more warmly about.

Settle Up ships an update every 2 weeks, Splital every 5 days. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Settle Up | Splital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | [4.5 (22 ratings)](https://appshunter.io/ios/app/splital-bill-splitter/id6501984581/reviews) |
| Number of ratings | **1.8K** | 22 |
| Positive reviews | 58.5% of reviews | **98.1% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 103 MB | 119 MB |
| Requires iOS | 17.4 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Maurizio Faleo](https://appshunter.io/developer/822721150) |

## 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)


### Splital

[App page](https://appshunter.io/ios/app/splital-bill-splitter/id6501984581)

Easily share expenses with friends, partners, or roommates. Create groups, add costs, and let the app calculate who owes what. Works offline, requires no account, and offers flexible splitting options.

**Highlights:** Group expense sharing, Flexible split options, Offline functionality, No account required, Smart auto-categorization, Spending statistics, Multi-currency support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splital Premium Monthly | $3.99 | per month |
| Splital Premium Monthly | $4.99 | per month |
| Splital premium | $17.99 | per year |
| Splital premium | $17.99 | per year |
| Splital premium | $19.99 | per year |
| Splital Pro | $24.99 | per year |
| Splital premium | $29.99 | per year |


## Frequently asked questions

### Is Settle Up free?

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

### Is Splital free?

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

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

Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while Splital averages 4.5 from 22 ratings.

### Do Settle Up or Splital have ads?

Settle Up shows ads; Splital does not.

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

Settle Up ships an update every 2 weeks, and Splital every 5 days. Most recently, Settle Up was updated on October 29, 2026 and Splital on October 27, 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.*