Settle Up vs Kittysplit
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
Kittysplit
Easily track and settle shared expenses for trips, households, or groups. No registration or app installation needed for friends. Calculates who owes what and the simplest way to settle debts.
- No registration required
- Works in any browser
- Calculates easiest settlement
- Assign categories to expenses
- Export to spreadsheet
- Split equally or unequally
- Attach photos to expenses
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Kittysplit is the easiest way to share bills and split costs with friends. Period. It's the simplest way to calculate who owes what in group trips, vacations and travel expenses, and for tracking shared finances for couples, households and families. No registration, no account or password required, no expense limits, no nonsense. Your friends can simply open the unique event link - Kittysplit also works without an app in any browser! Kittysplit will always be free for a basic event. How it works: - Create a Kitty by specifying the name of the event or group and your names - You don't need to give us any data, your friends don't need to have the app installed - Share the unique Kitty link with your friends, so they can participate add their own expenses - Add your expenses, Kittysplit tells you immediately who owes what and how to settle up - That's it, you're done! Kittysplit is great for: - Group vacations and weekend trips - Traveling with friends around the world - Weddings and bachelor/bachelorette parties - Family vacations - Spring break and music festivals - Couples or housemates splitting their bills - Lunch groups between co-workers - IOUs and keeping track of debts between friends - And much more Here are some of our awesome features: - Open Kitties on any device even without installed app simply by web link - Kittysplit always calculates the easiest and quickest way to settle all debts - Assign a category to each expense and filter your expense list accordingly - Export to a Spreadsheet - Split expenses equally or unequally by weight/shares or individual amount - View history of all changes to a Kitty - Friendliest customer support - Much more coming soon - always free for basic events! Super Kitty features: - Attach photos to expenses e.g. a bill - Add expenses in any foreign currency (automatic conversion in 120+ currencies) - Default shares (useful for grouped participants) - Read-only access - much more coming soon
Screenshots
Verdict
The clearest difference is review sentiment: Kittysplit at 100% against Settle Up's 59%. Kittysplit also leads on ads (none vs shown) and rating (5.0 vs 4.8). Settle Up's advantage is ratings volume (1.7K vs 101). 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 Kittysplit sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Kittysplit 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 101, so its average is the more settled of the two. Written reviews point the same way: 59% of Settle Up's written reviews are positive against 100% of Kittysplit's.
Settle Up ships an update every 2 weeks, Kittysplit every 3 weeks. The most recent releases landed on October 19, 2026 and October 18, 2026 respectively.
| Parameter | Settle Up | Kittysplit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.7K ratings) | 5.0 (101 ratings) — better |
| Positive reviews | 58.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.7K — better | 101 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| 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 | 15.5 — better |
| Further details — not scored | ||
| Size | 103 MB | 74 MB |
| Age rating | 4+ | 4+ |
| Developer | Step Up Labs, Inc. | Kittysplit UG (haftungsbeschränkt) |
Customer experience
Settle Up
Kittysplit
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)
Kittysplit
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
Kittysplit
- Super Kitty Upgrade$2.99








