# Settle Up vs SplitNShare

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.

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.

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.

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.

## The numbers

| Metric | Settle Up | SplitNShare |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (20 ratings)](https://appshunter.io/ios/app/splitnshare-bill-splitter/id6745573409/reviews)** |
| Number of ratings | **1.7K** | 20 |
| Positive reviews | 58.5% of reviews | **100.0% 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 | 31 MB |
| Requires iOS | 17.4 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Gautam Kapoor](https://appshunter.io/developer/1813019564) |

## 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)


### SplitNShare

[App page](https://appshunter.io/ios/app/splitnshare-bill-splitter/id6745573409)

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