Comparison

Settle Up vs SplitNShare

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

SplitNShare

Effortlessly divide restaurant bills with this app. Scan receipts to automatically read items and totals, then assign them to individuals or groups. It handles tax and tip calculations accurately, providing clear breakdowns of what everyone owes.

Highlights
  • Receipt scanning with OCR
  • Item-level bill splitting
  • Automatic tax and tip calculation
  • Assign items to individuals
  • Save and share past splits
Features
Read full description

SplitNShare makes it easy to split restaurant bills fairly and accurately — no calculators, no awkward math, no confusion. Just scan a receipt, assign items to people, and let SplitNShare handle the rest. How it works • Scan your receipt Take a photo or upload an image — SplitNShare automatically reads the items and totals. • Add people Add friends from your list or enter names manually for anyone at the table. • Assign items Split items by person or share items between multiple people. Perfect for group meals and shared dishes. • Automatic tax & tip splitting Tax and tip are calculated fairly based on each person’s portion. • See final amounts instantly Everyone knows exactly what they owe, clearly broken down. Why SplitNShare • Receipt scanning — no manual entry • Item-level splitting, not just equal splits • Accurate tax and tip calculations • Designed for group dining • Save past receipts and splits • Share results easily with friends Perfect for • Group dinners • Shared restaurant bills • Trips and outings • Anyone tired of doing bill math by hand Split smarter. Split faster. SplitNShare.

Screenshots

Settle Up4 screens
SplitNShare4 screens

Verdict

The call

The clearest difference is review sentiment: SplitNShare at 100% against Settle Up's 59%. SplitNShare also leads on in-app purchases (none vs 14) and ads (none vs shown). Settle Up's advantage is ratings volume (1.7K vs 20). 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. SplitNShare asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

SplitNShare 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 20, 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 SplitNShare's.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, SplitNShare every 3 weeks. The most recent releases landed on October 15, 2026 and October 11, 2026 respectively.

Scorecard7 real differences · 3 level
Settle Up versus SplitNShare: the parameters behind the verdict, then further details
ParameterSettle UpSplitNShare
PriceFreeFree
Rating4.8 (1.7K ratings)5.0 (20 ratings) — better
Positive reviews58.5% of reviews100.0% of reviews — better
Number of ratings1.7K — better20
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 iOS17.415.0 — better
Further details — not scored
Size103 MB31 MB
Age rating4+12+
DeveloperStep Up Labs, Inc.Gautam Kapoor

Customer experience

Settle Up

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

SplitNShare

All ratings20 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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)

SplitNShare

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

SplitNShare

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is SplitNShare free?
SplitNShare is free to download, with no in-app purchases.
Which has better reviews, Settle Up or SplitNShare?
SplitNShare is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while SplitNShare averages 5.0 from 20 ratings.
Do Settle Up or SplitNShare have ads?
Settle Up shows ads; SplitNShare does not.
Which is updated more often, Settle Up or SplitNShare?
Settle Up ships an update every 2 weeks, and SplitNShare every 3 weeks. Most recently, Settle Up was updated on October 15, 2026 and SplitNShare on October 11, 2026.

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