# Settle Up vs BuddyPay

The clearest difference is review sentiment: BuddyPay at 100% against Settle Up's 59%. BuddyPay also leads on ads (none vs shown) and update cadence (weekly vs every 2 weeks). Settle Up's advantage is chart position (#170 vs unranked). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and BuddyPay sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Settle Up ships an update every 2 weeks, BuddyPay weekly. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | Settle Up | BuddyPay |
| --- | --- | --- |
| 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 | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#170** | — |
| Size | 103 MB | 57 MB |
| Requires iOS | 17.4 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Mykhailo Kolosov](https://appshunter.io/developer/1876794416) |

## What reviewers say

### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

**Currently charting:** #170 Top Grossing · Finance (US App Store)

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)


### BuddyPay

[App page](https://appshunter.io/ios/app/buddypay-split-expenses/id6759090504)

Effortlessly track and split shared expenses with friends, roommates, and groups. This app simplifies managing bills for trips, dinners, and household costs, ensuring everyone's balances are clear and fair. It helps minimize payments and provides a transparent record of who owes whom.

**Highlights:** Create unlimited expense tracking rooms, Flexible split options (equal, percentage, exact amount), Attach receipts and photos to expenses, Simplified debt calculations and balance tracking, Record external payments for settlement, Collaborative group features with real-time updates, Multi-currency and multi-language support

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BuddyPay Plus Monthly | $3.99 | per month |
| BuddyPay Plus Yearly | $39.99 | per year |


## Frequently asked questions

### Is Settle Up free?

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

### Is BuddyPay free?

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

### Do Settle Up or BuddyPay have ads?

Settle Up shows ads; BuddyPay does not.

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

Settle Up ships an update every 2 weeks, and BuddyPay weekly. Most recently, Settle Up was updated on September 24, 2026 and BuddyPay on September 10, 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.*