Comparison

Settle Up vs Split Bill

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 Bill

Easily manage shared expenses with friends and groups. Automatically identify bill details, track spending, and calculate who owes whom. Integrates with popular payment services and offers offline access.

Highlights
  • Photo bill scanning with auto-identification
  • Group expense tracking
  • Automated debt calculation
  • Integration with payment services
  • Spending pattern charts and graphs
  • Offline access
  • QR code scanning for connections
Features
Read full description

Splitting bills with friends is no longer a hassle! As your smart accountant, we make every trip as wonderful as possible. Lasting friendships with our app! Now everyone can manage their finances in a group. Features: • Add or take photo bills for any activity or trip easily • Enter the name of the person paying and the amount of money • Track all expenses in one place in a group • Integration with popular payment services like PayPal, Venmo, or bank transfers • Calculation of who owes whom and how much • Receive notifications for new expenses and to members who still owe money • Create & manage multiple groups for different activities or trips • Invite and remove members easily • Privacy & public controls mode: manage who can see specific expenses and details • Scan QR Codes to Connect Faster • Simplify debt • Merge account You can choose a monthly subscription or yearly subscription. • Payment will be charged to iTunes Account at confirmation of purchase (After free trial period if offered). • Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. • Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. • Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase. • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. Website: https://billsplitter.thethreek.com/ Policy: https://billsplitter.thethreek.com/term_and_privacy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Stop stressing about money in relationships now with our app. Split the bill – Lasting friendships!

Screenshots

Settle Up4 screens
Split Bill4 screens

Verdict

The call

The clearest difference is review sentiment: Split Bill at 100% against Settle Up's 59%. Settle Up's advantage is chart position (#169 vs unranked). On price, update cadence, ads and in-app purchases 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 Bill sells 3 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Split Bill fortnightly. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

Scorecard2 real differences · 9 level
Settle Up versus Split Bill: the parameters behind the verdict, then further details
ParameterSettle UpSplit Bill
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews100.0% of reviews — better
Number of ratings1.7K — better—
Update frequencyEvery 2 weeksFortnightly — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#169 — better—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.417.0 — better
Further details — not scored
Size103 MB31 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Hung Truong Khanh

Customer experience

Settle Up

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

Split Bill

Written reviews9 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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)

Split Bill

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
3 purchases

Split Bill

Subscriptions2
  • Bill Splitter Premium Monthly$5.991 Month
  • Bill Splitter Premium Annual3 Days trial$29.991 Year
One-time1
  • Bill Splitter Premium$59.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Split Bill free?
Split Bill is free to download, with in-app purchases available.
Do Settle Up or Split Bill have ads?
Both Settle Up and Split Bill show ads.
Which is updated more often, Settle Up or Split Bill?
Settle Up ships an update every 2 weeks, and Split Bill fortnightly. Most recently, Settle Up was updated on September 24, 2026 and Split Bill on September 11, 2026.

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