Comparison

Settle Up vs Slush

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

Slush

Easily get reimbursed for group expenses without awkward reminders or clutter. Simply enter the amount, split it, and share a link or QR code for instant payment. No signups or app downloads are needed for others to pay you back.

Highlights
  • Instant group payback
  • Pseudo-user splits
  • Shareable link or QR code
  • No app downloads required for payers
  • Fast and simple expense splitting
  • Multiple payment integrations
Features
Read full description

The app for people who front the bill—and expect results. Slush is the fastest way to get paid back after covering a group expense. Whether it’s dinner with friends, concert tickets, groceries, or just ordering in—Slush lets you collect without the awkward reminders, without the group chat clutter, and without anyone needing to download another app. Just open Slush, enter the amount you fronted, split it how you want, and send a link or QR code. The others pick who they are and pay you instantly. No signups. No account links. No waiting. Why Slush? • Instant group payback via Venmo, Cashapp, and more! • Pseudo-user splits: no need to tag anyone • Share a link or QR—clean and simple • No app downloads or logins required to get paid back • Designed for speed, elegance, and total control Whether you're a planner, a host, or just the one who handles things—Slush makes getting paid back feel like it should: fast, quiet, done.

Screenshots

Settle Up4 screens
Slush4 screens

Verdict

The call

The clearest difference is in-app purchases: Slush at none against Settle Up's 14. Slush also leads on ads (none vs shown) and review sentiment (75% vs 59%). Settle Up's advantage is ratings volume (1.7K vs 8) and rating (4.8 vs 4.5). On price, update cadence 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. Slush asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Settle Up holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Settle Up has 1.7K ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 59% of Settle Up's written reviews are positive against 75% of Slush's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Slush every 3 weeks. The most recent releases landed on October 15, 2026 and September 29, 2026 respectively.

Scorecard7 real differences · 3 level
Settle Up versus Slush: the parameters behind the verdict, then further details
ParameterSettle UpSlush
PriceFreeFree
Rating4.8 (1.7K ratings) — better4.5 (8 ratings)
Positive reviews58.5% of reviews75.0% of reviews — better
Number of ratings1.7K — better8
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.415.1 — better
Further details — not scored
Size103 MB51 MB
Age rating4+9+
DeveloperStep Up Labs, Inc.Slush LLC (Chicago)

Customer experience

Settle Up

All ratings1,729 ratings
Positive96.5%
Neutral1.2%
Negative2.4%
Written reviews388 reviews
Positive58.5%
Neutral6.2%
Negative35.3%

Slush

All ratings8 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

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)

Slush

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
None

Slush

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Slush free?
Slush is free to download, with no in-app purchases.
Which has better reviews, Settle Up or Slush?
Settle Up is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while Slush averages 4.5 from 8 ratings.
Do Settle Up or Slush have ads?
Settle Up shows ads; Slush does not.
Which is updated more often, Settle Up or Slush?
Settle Up ships an update every 2 weeks, and Slush every 3 weeks. Most recently, Settle Up was updated on October 15, 2026 and Slush on September 29, 2026.

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