Comparison

Settle Up vs Splittier

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

Splittier

Easily split bills with friends and track personal spending. Features AI receipt scanning, voice commands, and support for over 110 currencies. Ideal for roommates, travel, and group outings.

Highlights
  • AI receipt scanning
  • Voice AI assistant
  • Split bills equally, by item, or custom
  • Support for 110+ currencies
  • Personal expense tracking
  • Smart categories and budgets
  • Recurring bills automation
Read full description

Splittier is the all-in-one app to SPLIT BILLS with friends and TRACK PERSONAL EXPENSES. Scan receipts with AI, manage group trips in 110+ currencies, and keep tabs crystal clear. SPLIT THE BILL IN SECONDS • Equal, by item, or custom split • AI receipt scanning: snap and go • Voice AI assistant: say "add $30 dinner with Sarah" • 110+ currencies for international trips PERFECT FOR • Roommates and household expenses • Trips with friends or partner • Dinners, events and group outings • Couples sharing accounts YOUR PERSONAL FINANCES • Log expenses in seconds • Smart categories and budgets • Clear charts of spending patterns • Recurring bills automation PRIVACY FIRST Your data is encrypted. We never share financial info. Splittier replaces spreadsheets, calculators and awkward money talks. Download free and start splitting today.

Screenshots

Settle Up4 screens
Splittier4 screens

Verdict

The call

The clearest difference is review sentiment: Settle Up at 59% against Splittier's 0%. Settle Up also leads on rating (4.8 vs 1.0) and ratings volume (1.8K vs 1). Splittier's advantage is in-app purchases (none vs 14) and ads (none vs shown). On price, update cadence, device support and iOS requirement 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. Splittier asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Settle Up holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 1, 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 0% of Splittier's.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Splittier fortnightly. The most recent releases landed on October 26, 2026 and October 10, 2026 respectively.

Scorecard6 real differences · 4 level
Settle Up versus Splittier: the parameters behind the verdict, then further details
ParameterSettle UpSplittier
PriceFreeFree
Rating4.8 (1.8K ratings) — better1.0 (1 ratings)
Positive reviews58.5% of reviews — better0.0% of reviews
Number of ratings1.8K — better1
Update frequencyEvery 2 weeksFortnightly — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPad — betteriPhone
Requires iOS17.416.0 — better
Further details — not scored
Size103 MB68 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.SoadTech LLC

Customer experience

Settle Up

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

Splittier

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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)

Splittier

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
None

Splittier

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Splittier free?
Splittier is free to download, with no in-app purchases.
Which has better reviews, Settle Up or Splittier?
Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while Splittier averages 1.0 from 1 ratings.
Do Settle Up or Splittier have ads?
Settle Up shows ads; Splittier does not.
Which is updated more often, Settle Up or Splittier?
Settle Up ships an update every 2 weeks, and Splittier fortnightly. Most recently, Settle Up was updated on October 26, 2026 and Splittier on October 10, 2026.

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