# Settle Up vs Savvy Spender

The clearest difference is iOS requirement: Savvy Spender at 15.5 against Settle Up's 17.4. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Savvy Spender sells 10 in-app purchases, starting at $16.99 per month. Whichever you choose, the download price is not the number that matters.

Settle Up ships an update every 2 weeks, Savvy Spender every 9 days. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Settle Up | Savvy Spender |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | — |
| Number of ratings | **1.8K** | — |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free with in-app purchases | — |
| Size | 103 MB | 160 MB |
| Requires iOS | 17.4 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Remarkable Systems, Inc.](https://appshunter.io/developer/1680814117) |

## 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)


### Savvy Spender

[App page](https://appshunter.io/ios/app/savvy-spender/id6754799183)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Plus Monthly 2 Seats: 225 Scans | $16.99 | per month |
| Starter Monthly 5 Seats: 200 Scans | $19.99 | per month |
| Plus Monthly 5 Seats: 500 Scans | $34.99 | per month |
| Premium Monthly 5 Seats: 1,200 Scan | $59.99 | per month |
| Starter Annual 2 Seats: 100 Scans | $89.99 | per year |
| Plus Annual 2 Seats: 225 Scans | $149.99 | per year |
| Starter Annual 5 Seats: 200 Scans | $179.99 | per year |
| Premium Ann. 2 Seats: 500 Scans | $269.99 | per year |
| Plus Annual 5 Seats: 500 Scans | $314.99 | per year |
| Premium Ann. 5 Seats: 1,200 Scans | $539.99 | per year |


## Frequently asked questions

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Is Savvy Spender free?

Savvy Spender is free to download, with in-app purchases available.

### Do Settle Up or Savvy Spender have ads?

Both Settle Up and Savvy Spender show ads.

### Which is updated more often, Settle Up or Savvy Spender?

Settle Up ships an update every 2 weeks, and Savvy Spender every 9 days. Most recently, Settle Up was updated on October 29, 2026 and Savvy Spender on October 28, 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.*