Settle Up vs Split Bills & Expenses

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

Two ways to split, one app. Open a Tab for tonight's dinner: scan the bill, share one link, and everyone taps what they had and pays their share from their phone browser - no app or account for your friends. The tab wraps up on its own after a day. Or keep a Group for the people you split with over and over. dvup turns your group's money into a living picture: every person is a bubble, every shared expense pulls them together, every IOU glows as an arrow between them. Built so no one ever forgets who owes what. It's pronounced "divvy up" - for a reason. No tables, no rows of numbers. Tap a bubble, see exactly what's owed. Settle up, and watch the math melt away. WHY PEOPLE CHOOSE dvup - Tabs for one bill, right now - scan a receipt, share a link, and each person pays their share with no app to install. The tab closes itself after a day - Animated debt visualization - see who owes who at a glance, not in a spreadsheet - Receipt scanning with line-item extraction. Snap a photo, every item parsed automatically - Combine couples and families into units. Let "Mika & Sasha" count as one share instead of two - Personalize your bubble with glow, sparkles, fireflies, snowfall, and more effects to make your group feel like yours - Unlimited groups, free with an account. No caps, no upsells to add another trip or roommate PERFECT FOR Splitting the check: open a tab, everyone claims what they had and pays their share, no app for the table Roommates: split rent, utilities, groceries, and streaming subscriptions Trips and vacations: split flights, hotels, and meals across currencies Couples: split groceries, date nights, and shared subscriptions KEY FEATURES - Tabs: split one bill on the spot - scan it, share a link, guests claim their items and pay from the browser, and the tab expires in a day - Three ways to split a tab: evenly, everyone claims their own items, or you sort it out - Get paid on a tab through Interac, Pix, UPI, Venmo, or PayPal - Smart bill splitter with equal, custom, or per-item shares - Member units: combine couples or families into one share-taker for clean group splits - Group expense tracker: every shared expense in one place - IOU tracker with running balances per person - Settle up: see exactly who owes who, mark debts as paid - One-tap payment links to Interac e-Transfer, Venmo, PayPal, Cash App, and Zelle - Receipt scanning: 5 free scans, unlimited with dvup+ - Visual debt simplification: watch tangled IOUs collapse into the fewest possible payments - Spending analytics: monthly tide chart, category breakdown by slice, top spenders, and per-member totals - Bubble personalization with 17 effects, free favorites plus premium options - Multi-currency support with live exchange rates - Push notifications for tab activity, new expenses, and settlements - Offline-first: works on a plane, in a tunnel, anywhere - QR code group join: scan to join, no codes to type - Sign in with Apple or Google, or skip it and try the demo - Dark mode and light mode with system detection - Available in 11 languages: English, Spanish, French, German, Italian, Portuguese, Dutch, Polish, Turkish, Japanese, Korean - Easy migration: switching from Settle Up? Your data comes with you FREE TO USE, PREMIUM WHEN YOU NEED IT dvup is free, with unlimited groups, split-a-bill Tabs, and 5 receipt scans to try. Upgrade to dvup+ for unlimited receipt scanning, smart debt simplification (minimize who-pays-who across complex groups), Travel Mode with auto-detected travel currency, recurring expenses, per-item receipt splits, receipt photo attachments, advanced spending analytics, premium bubble effects, and an ad-free experience. Share dvup+ with your household via the Family Plan, which covers up to 6 people on one subscription. Made in Canada. Download dvup and stop chasing your friends for that dinner bill. Terms of Use (EULA): https://dvup.ca/termsofuse