Settle Up vs Chippy Split
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track shared expenses
- Manage IOUs
- Handle complex splits
- Multiple payers support
- Offline functionality
- Real-time exchange rates
- Data export
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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
Chippy Split
Easily manage shared expenses with friends, roommates, and groups. Split bills instantly, track balances in real-time, and settle debts without confusion. Organize expenses by group and get clear overviews of all shared spending.
- Instant bill splitting
- Flexible splitting options
- Organize expenses by groups
- Real-time balance tracking
- Payment reminders
- Expense history and reports
- Receipt import
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Split bills, track expenses, and settle faster with Chippy Split. The easiest way to manage shared expenses with friends, roommates, trips, and groups, all in one place. Whether you're splitting rent, managing travel costs, or tracking daily expenses, Chippy Split keeps everything clear, fair, and stress-free. Why Chippy Split? Managing shared expenses shouldn’t be complicated. Chippy Split helps you split bills instantly, track balances in real time, and settle without confusion. Key Features • Add and split bills instantly without any limits • Flexible splitting options: equal, percentage, or custom amounts • Organize expenses by groups (friends, trips, roommates) • Track balances and settlements in real time • Send payment reminders to group members • View complete expense history • Export expense reports anytime Share and Add Bills Faster Easily import images or receipts directly into the app and start creating bills instantly. No more manual entry ,just share and go. Perfect For • Friends sharing daily expenses • Roommates splitting rent and utilities • Group trips and vacations • Couples managing shared spending Simple. Transparent. Stress-Free. No awkward reminders. No confusion. No missed payments. Just smart expense tracking that works. Privacy Policy https://card-snap.in/chippyapp/privacypolicy Terms of Use (EULA) https://card-snap.in/chippyapp/termsofuse
Screenshots
Verdict
The clearest difference is review sentiment: Chippy Split at 100% against Settle Up's 59%. Chippy Split also leads on ads (none vs shown) and update cadence (weekly vs every 2 weeks). On price, in-app purchases, monetization model 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
Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Chippy Split sells 1 in-app purchase, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Settle Up ships an update every 2 weeks, Chippy Split weekly. The most recent releases landed on October 19, 2026 and October 7, 2026 respectively.
| Parameter | Settle Up | Chippy Split |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.7K ratings) — better | — |
| Positive reviews | 58.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.7K — better | — |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.4 | 15.6 — better |
| Further details — not scored | ||
| Size | 103 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | Step Up Labs, Inc. | Aman Khan |
Customer experience
Settle Up
Chippy Split
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)
Chippy Split
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Settle Up
- Monthly Premium$3.991 Month
- Yearly Premium7 Days trial$19.991 Year
- Group Premium for 1 week$5.99
- Group Premium for 2 weeks$9.99
- Group Premium for 2 months$14.99
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- 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
Chippy Split
- Chippy Pro$1.991 Month









