# Settle Up vs Slush

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.

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.

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.

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.

## The numbers

| Metric | Settle Up | Slush |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | [4.5 (8 ratings)](https://appshunter.io/ios/app/slush-split-group-bills/id6743376896/reviews) |
| Number of ratings | **1.7K** | 8 |
| Positive reviews | 58.5% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 103 MB | 51 MB |
| Requires iOS | 17.4 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 9+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Slush LLC (Chicago)](https://appshunter.io/developer/1730769626) |

## 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)


### Slush

[App page](https://appshunter.io/ios/app/slush-split-group-bills/id6743376896)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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