Settle Up vs Splitfun
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track shared expenses
- Manage IOUs
- Handle complex splits
- Multiple payers support
- Offline functionality
- Real-time exchange rates
- Data export
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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
Splitfun
Effortlessly manage shared expenses with friends, family, and colleagues. Track who owes what for rent, trips, or meals and settle up quickly. Enjoy stress-free expense management with a user-friendly interface and secure cloud backup.
- Flexible bill splitting (equal, percentage, exact)
- Group management for trips, roommates, events
- Real-time notifications for expenses and settlements
- Cloud backup for secure data storage
- User-friendly and intuitive interface
- Privacy and security with data encryption
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Splitfun: The Smart Way to Split Bills and Manage Shared Expenses Splitfun is the ultimate app for effortlessly managing shared expenses with friends, family, and colleagues. Whether you're splitting rent, planning a group trip, or just sharing a meal, Splitfun makes it easy to track who owes what and settle up quickly. Say goodbye to awkward money conversations and hello to stress-free expense management! --- Key Features: Flexible Splitting: Split bills equally, by percentage, or by exact amounts—perfect for any situation. Group Management: Create groups for roommates, trips, or events, and easily track shared costs. Real-Time Notifications: Stay updated with push notifications for new expenses and settlements. Cloud Backup: Securely store all your data with automatic backups, accessible anytime. --- Perfect For: Roommates: Split rent, utilities, and groceries with ease. Travelers: Manage group trip expenses, from flights to meals. Couples: Track shared costs like dates, groceries, and more. Events: Organize weddings, parties, or group outings without the hassle. Friends & Colleagues: Split lunch bills, gifts, or group activities effortlessly. --- Why Choose SplitFun? User-Friendly Interface: Simple and intuitive design for seamless expense management. Privacy & Security: Your data is encrypted and stored securely, with strict access controls. --- Download Splitfun Today! Say goodbye to the hassle of manual calculations and awkward money conversations. Whether you're managing shared expenses with roommates, planning a group trip, or just splitting a dinner bill, Splitfun is here to make your life easier. Download now and experience the smart way to split bills! --- Privacy & Terms: Your privacy is important to us. Learn more about how we protect your data by visiting our [Privacy Policy](https://www.splitfun.com/protocol/PrivacyPolicy.html) and [Terms of Service](https://www.splitfun.com/protocol/UserAgreement.html).
Screenshots
Verdict
The clearest difference is ads: Splitfun at none against Settle Up's shown. Splitfun also leads on rating (5.0 vs 4.8) and iOS requirement (13.0 vs 17.4). Settle Up's advantage is ratings volume (1.7K vs 2). On price, update cadence, in-app purchases and monetization model 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
Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Splitfun sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
Splitfun holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 2, so its average is the more settled of the two.
Settle Up ships an update every 2 weeks, Splitfun every 9 days. The most recent releases landed on September 24, 2026 and June 1, 2026 respectively.
| Parameter | Settle Up | Splitfun |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.7K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 58.5% of reviews | — |
| Number of ratings | 1.7K — better | 2 |
| Update frequency | Every 2 weeks | Every 9 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.4 | 13.0 — better |
| Further details — not scored | ||
| Size | 103 MB | 25 MB |
| Age rating | 4+ | 17+ |
| Developer | Step Up Labs, Inc. | FORWARD SILVER LIMITED |
Customer experience
Settle Up
Splitfun
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)
Splitfun
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Settle Up
- Monthly Premium$3.991 Month
- Yearly Premium7 Days trial$19.991 Year
- Group Premium for 1 week$5.99
- Group Premium for 2 weeks$9.99
- Group Premium for 2 months$14.99
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- 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
Splitfun
- Golden Member Monthly Card1 Month trial$3.991 Month
- Golden Member Monthly Card$3.991 Month
- Golden Member Yearly Card1 Month trial$34.991 Year
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- Golden Member Yearly Card1 Year trial$34.991 Year








