# Settle Up vs Splitfun

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.

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.

## The numbers

| Metric | Settle Up | Splitfun |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/splitfun/id6740187024/reviews)** |
| Number of ratings | **1.7K** | 2 |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 103 MB | 25 MB |
| Requires iOS | 17.4 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [FORWARD SILVER LIMITED](https://appshunter.io/developer/1646367039) |

## 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)


### Splitfun

[App page](https://appshunter.io/ios/app/splitfun/id6740187024)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Golden Member Monthly Card | $3.99 | per month |
| Golden Member Monthly Card | $3.99 | per month |
| Golden Member Yearly Card | $34.99 | per year |
| Golden Member Yearly Card | $34.99 | per year |


## Frequently asked questions

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Is Splitfun free?

Splitfun is free to download, with in-app purchases available.

### Which has better reviews, Settle Up or Splitfun?

Splitfun is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while Splitfun averages 5.0 from 2 ratings.

### Do Settle Up or Splitfun have ads?

Settle Up shows ads; Splitfun does not.

### Which is updated more often, Settle Up or Splitfun?

Settle Up ships an update every 2 weeks, and Splitfun every 9 days. Most recently, Settle Up was updated on September 24, 2026 and Splitfun on June 1, 2026.

---

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