Settle Up vs WeBudget

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

WeBudget is an expense tracker that does the typing for you. Share a bank message, an email receipt or a screenshot into WeBudget and it becomes a transaction — the amount, the merchant, the account and a category it works out for itself. Screenshots are read on your device. You confirm it, and that is the whole loop. Nothing is ever saved behind your back. Every capture waits in a review queue until you say yes, and correcting one teaches WeBudget the merchant for next time. WHAT IT DOES • Share text or a screenshot from any app and have it logged for you • Budgets per category, with a warning before you go over — not after • Charts that answer a question: where it went, what changed, what this month is on pace to cost • Multiple accounts and currencies • Import from a WeBudget backup or from Money Manager • Export everything, whenever you like • Face ID or PIN lock, and a covered screen in the app switcher • Full support for English, French, Spanish and Arabic YOUR DATA STAYS ON YOUR IPHONE The ledger lives on your device. There is no account to create and nothing is uploaded unless you turn on cloud backup — and if you do, records are encrypted on the phone with a key our servers never hold. We cannot read your transactions. Neither can anyone who breaks into our database. That is a real trade-off and we would rather say it plainly: if you forget your recovery passphrase, your cloud copy cannot be recovered by us or by anyone. The app explains this before it lets you switch sync on. WHAT IS FREE, AND WHAT IS NOT Free, with ads, forever: adding transactions by hand, unlimited transactions, every chart, every budget, local backup, import and export. Your own data is never held behind a paywall. WeBudget Plus is a subscription. It removes the ads, turns on automatic capture, and adds the encrypted cloud copy across your devices. Both plans start with a free trial. ABOUT THE ADS The free tier carries ads, and they stay out of the way: never inside your transactions, balances or review queue, and never on the screens where you add money or manage your account. No transaction, amount, merchant or balance is ever used to target an ad — not one. You can also watch a short video for two hours without ads, or subscribe and see none at all. Privacy policy: https://we-budget.app/privacy Terms: https://we-budget.app/terms Support: https://we-budget.app/support