# Settle Up vs Splitly

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.

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.

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

## The numbers

| Metric | Settle Up | Splitly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | — |
| Number of ratings | **1.7K** | — |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 103 MB | 22 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [DELOS CREATOR HUB COMPANY LIMITED](https://appshunter.io/developer/1741202484) |

## 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)


### Splitly

[App page](https://appshunter.io/ios/app/splitly-split-my-bills/id6739765338)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitly Premium | $8.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*