# Settle Up vs Toki

The clearest difference is ads: Toki at none against Settle Up's shown. Toki also leads on update cadence (every 5 days vs every 2 weeks). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Toki sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Settle Up ships an update every 2 weeks, Toki every 5 days. The most recent releases landed on October 15, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Settle Up | Toki |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews)** | — |
| Number of ratings | **1.7K** | — |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free with in-app purchases | — |
| Size | 103 MB | 11 MB |
| Requires iOS | 17.4 | **17** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [VICENTE CORDUA ALLENDE IRIARTE](https://appshunter.io/developer/1866373032) |

## 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)


### Toki

[App page](https://appshunter.io/ios/app/toki-expense-tracker/id6757361622)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pro Access | $4.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is Toki free?

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

### Do Settle Up or Toki have ads?

Settle Up shows ads; Toki does not.

### Which is updated more often, Settle Up or Toki?

Settle Up ships an update every 2 weeks, and Toki every 5 days. Most recently, Settle Up was updated on October 15, 2026 and Toki on October 16, 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.*