Comparison

Settle Up vs Splitly

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

Splitly

Features
Read full description

Splitly makes it easy to manage shared expenses with friends, family, or colleagues. Whether you’re splitting bills on a trip, tracking shared household expenses, or settling group dinners, Splitly helps you keep everything organized. Key Features: • Group Expense Tracking – Create groups and add expenses effortlessly. • Scan receipts: You can now scan or select from photo library to store receipts to a split. • Smart Summarization – See who owes whom with automatic balance calculations. • Personal Expense View – Track all your split transactions in one place. • Multiple Currencies – Perfect for group trips. • Simple & Clear Interface – Designed for easy expense tracking and quick settlements. Splitly helps you settle up instantly. Download now and keep your shared expenses hassle-free! Terms of Use: https://www.delos.com.vn/legal

Screenshots

Settle Up4 screens
Splitly4 screens

Verdict

The call

The clearest difference is ads: Splitly at none against Settle Up's shown. 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 Splitly sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 13, 2026 and October 1, 2026 respectively.

Scorecard1 real difference · 9 level
Settle Up versus Splitly: the parameters behind the verdict, then further details
ParameterSettle UpSplitly
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 2 weeksEvery 2 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.417.0 — better
Further details — not scored
Size103 MB22 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.DELOS CREATOR HUB COMPANY LIMITED

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)

Splitly

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

Splitly

One-time1
  • Splitly Premium$8.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Splitly free?
Splitly is free to download, with in-app purchases available.
Do Settle Up or Splitly have ads?
Settle Up shows ads; Splitly does not.
Which is updated more often, Settle Up or Splitly?
Settle Up ships an update every 2 weeks, and Splitly every 2 weeks. Most recently, Settle Up was updated on October 13, 2026 and Splitly on October 1, 2026.

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