Comparison

Settle Up vs Split Check

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

Split Check

Effortlessly split bills and track shared expenses with friends and family. Scan receipts, divide costs item by item, and settle up instantly using popular payment apps. Eliminate confusion and get paid back quickly.

Highlights
  • AI receipt scanner
  • Itemized bill splitting
  • Split by shares or equally
  • Instant payment app integration
  • Detailed breakdown of who owes what
  • Charge more for tip and tax
Features
Read full description

You paid the bill. Why should it be a hassle to get your money back? With Split Check, just scan your receipt, split the bill, and settle up with payment apps like Venmo—all in seconds. Split Check makes it easy to split bills with friends and family and get paid back fast. How it works: 1. Split your receipts using our AI receipt scanner. It works with any photo, including handwritten tips and totals. 2. Split the check item by item. Assign multiple people per item, or use advanced split modes like shares for fractional amounts. 3. Settle up bills instantly. Send or request money via payment apps like Venmo. 4. View full breakdown of who owes what. No confusion. No awkward math. Perfect for: • Splitting the bill for drinking at the bar • Split rent bills and grocery receipts • Group split bills from dinners, happy hour tabs, and coffee runs • Receipt splitting for groceries, bill splitting rent or utilities, or split rent bills with roommates • Friends on trips, weekend getaways, bachelor and bachelorette parties, and weddings • Couples tracking shared expenses • The friend who wants to rack up credit card points Features: • Charge more tip and tax for those who ordered more. • Receipt scanning that actually works. • Easy split bill options. Divide items equally, by shares, and more. Why people love Split Check: • No subscription required. Pay per-use with tokens that never expire. • Split the token cost automatically. Just a few cents per person. • Only pay if it works. Use a token only when you're ready to settle. • Want more? Get Split Check Unlimited for one flat monthly or yearly fee. Join hundreds of people who eliminate the guesswork from group expenses. Split Check is the best bills splitter app for getting a fair split. No one will ever complain about who paid for what. Get your money back while you're still at the table. This app is not affiliated with or endorsed by Venmo (PayPal, Inc.). Venmo® is a registered trademark of PayPal, Inc., and all trademarks, trade names, logos, and brands mentioned or used are property of their respective owners.

Screenshots

Settle Up4 screens
Split Check3 screens

Verdict

The call

Settle Up and Split Check both sit at 4.8 stars, but that hides the real split: 100% of Split Check's written reviews are positive against 59% of Settle Up's. Split Check also leads on ads (none vs shown). Settle Up's advantage is ratings volume (1.8K vs 8) and update cadence (every 2 weeks vs every 6 weeks). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Split Check sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Settle Up against 4.9 for Split Check. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 8, so its average is the more settled of the two. Written reviews are what separate them: 59% of Settle Up's written reviews are positive against 100% of Split Check's.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Split Check every 6 weeks. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Settle Up versus Split Check: the parameters behind the verdict, then further details
ParameterSettle UpSplit Check
PriceFreeFree
Rating4.8 (1.8K ratings)4.9 (8 ratings) — better
Positive reviews58.5% of reviews100.0% of reviews — better
Number of ratings1.8K — better8
Update frequencyEvery 2 weeks — betterEvery 6 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.416.4 — better
Further details — not scored
Size103 MB142 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.Mikar Dev, LLC

Customer experience

Settle Up

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

Split Check

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 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)

Split Check

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
3 purchases

Split Check

Subscriptions2
  • Unlimited$4.991 Month
  • Unlimited$39.991 Year
One-time1
  • 2-Token Pack$0.99

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Split Check free?
Split Check is free to download, with in-app purchases available.
Which has better reviews, Settle Up or Split Check?
Split Check is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while Split Check averages 4.9 from 8 ratings.
Do Settle Up or Split Check have ads?
Settle Up shows ads; Split Check does not.
Which is updated more often, Settle Up or Split Check?
Settle Up ships an update every 2 weeks, and Split Check every 6 weeks. Most recently, Settle Up was updated on October 24, 2026 and Split Check on October 24, 2026.

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