Comparison

Settle Up vs Split

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
Currently charting
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

Split

Features
Read full description

Easily track and split group expenses with Split. Whether you're traveling, living with roommates, or managing shared costs with friends or a partner – Split makes it simple to stay on top of expenses. Perfect for: - Group trips with friends - Shared housing & roommates - Couples & families - Events and get-togethers Key features: - Add expenses in just a few taps - Real-time balance for each member - Automatic fair split calculation - Reminders so you never forget a bill - Multi-currency support No more awkward money talk — Split keeps everything fair and transparent. Join hundreds of users already making group spending stress-free with Split. Download Split now and make shared expenses easy again! EULA : https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Settle Up4 screens
Split4 screens

Verdict

The call

The clearest difference is ads: Split at none against Settle Up's shown. Settle Up's advantage is chart position (#167 vs unranked). On price, update cadence, in-app purchases and device support 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 and Split sells 1 in-app purchase, starting at $8.99 per year. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Split fortnightly. The most recent releases landed on September 24, 2026 and September 5, 2026 respectively.

Scorecard2 real differences · 9 level
Settle Up versus Split: the parameters behind the verdict, then further details
ParameterSettle UpSplit
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 2 weeksFortnightly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
Best chart rank#167 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS17.417.0 — better
Further details — not scored
Size103 MB8 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Theo Sementa

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)

Split

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
1 purchases

Split

Subscriptions1
  • Split member$8.991 Year

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Split free?
Split is free to download, with in-app purchases available.
Do Settle Up or Split have ads?
Settle Up shows ads; Split does not.
Which is updated more often, Settle Up or Split?
Settle Up ships an update every 2 weeks, and Split fortnightly. Most recently, Settle Up was updated on September 24, 2026 and Split on September 5, 2026.

Other comparisons