# Settle Up vs Split Check

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.

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.

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.

Settle Up ships an update every 2 weeks, Split Check every 6 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Settle Up | Split Check |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[4.9 (8 ratings)](https://appshunter.io/ios/app/split-check-bills-and-receipts/id6746783998/reviews)** |
| Number of ratings | **1.8K** | 8 |
| Positive reviews | 58.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 103 MB | 142 MB |
| Requires iOS | 17.4 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Mikar Dev, LLC](https://appshunter.io/developer/1818525154) |

## 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)


### Split Check

[App page](https://appshunter.io/ios/app/split-check-bills-and-receipts/id6746783998)

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:** Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited | $4.99 | per month |
| Unlimited | $39.99 | per year |
| 2-Token Pack | $0.99 | one-time |


## Frequently asked 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 25, 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.*