# Settle Up vs Split Bills & Expenses

The clearest difference is review sentiment: Split Bills & Expenses at 100% against Settle Up's 59%. Split Bills & Expenses also leads on update cadence (every 4 days vs every 2 weeks) and iOS requirement (15.5 vs 17.4). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and Split Bills & Expenses sells 9 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Settle Up ships an update every 2 weeks, Split Bills & Expenses every 4 days. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Settle Up | Split Bills & Expenses |
| --- | --- | --- |
| 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 | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 103 MB | 112 MB |
| Requires iOS | 17.4 | **15.5** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Nolstar Studio](https://appshunter.io/developer/1888892845) |

## 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)


### Split Bills & Expenses

[App page](https://appshunter.io/ios/app/split-bills-and-expenses-dvup/id6761322221)

Easily split bills and track shared expenses with friends, roommates, or family. Features include receipt scanning, animated debt visualization, and multiple payment options. Ideal for managing group costs on trips, rent, or everyday shared items.

**Highlights:** Receipt scanning with line-item extraction, Animated debt visualization, Tabs for one-time bill splitting, Unlimited groups for recurring splits, Member units for couples/families, Multi-currency support, Offline-first functionality

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| dvup+ (Personal Weekly) | $1.99 | per 7 days |
| dvup+ (Personal Monthly) | $2.99 | per month |
| dvup+ (Personal Annually) | $29.99 | per year |
| dvup+ (Duo) | $44.99 | per year |
| dvup+ (Group) | $89.99 | per year |
| Group Pass · 1 week | $9.99 | one-time |
| Group Pass · 1 month | $19.99 | one-time |
| Group Pass · 3 months | $39.99 | one-time |
| Group Pass · Lifetime | $349.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is Split Bills & Expenses free?

Split Bills & Expenses is free to download, with in-app purchases available.

### Do Settle Up or Split Bills & Expenses have ads?

Both Settle Up and Split Bills & Expenses show ads.

### Which is updated more often, Settle Up or Split Bills & Expenses?

Settle Up ships an update every 2 weeks, and Split Bills & Expenses every 4 days. Most recently, Settle Up was updated on October 29, 2026 and Split Bills & Expenses on October 28, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*