Comparison

Settle Up vs SaveMate AI Expense Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Settle Up

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
Currently charting
Read full description

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

About

SaveMate AI Expense Tracker

Features
Read full description

SaveMate AI helps you track expenses without entering every rupee manually. Scan bills, upload UPI or payment screenshots, and let AI organize your spending into simple categories. SaveMate helps you understand where your money is going and shows how much you can safely spend each day based on your saving goal. Whether it is a restaurant bill, grocery purchase, shopping receipt, UPI screenshot, or online order, SaveMate makes expense tracking easier for everyday Indians. Key features: - Scan bills and receipts - Upload UPI and payment screenshots - Automatically categorize expenses with AI - Set your monthly saving goal - Get a safe daily spending limit - Understand your spending patterns - Track food, shopping, travel, groceries, bills, and more - Manage your personal budget in one simple place Why SaveMate AI? Most expense trackers expect you to manually enter everything. SaveMate is built to make tracking easier, faster, and more useful. Instead of only showing what you already spent, it helps you plan what you can spend today. SaveMate AI is designed for people who want to save better, spend smarter, and stay in control of their money without complicated finance tools. Important note: SaveMate AI is a personal expense tracking and budgeting app. It does not provide investment, tax, banking, or financial advisory services.

Screenshots

Settle Up4 screens
SaveMate AI Expense Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: SaveMate AI Expense Tracker at none against Settle Up's 14. SaveMate AI Expense Tracker also leads on ads (none vs shown) and iOS requirement (15.1 vs 17.4). Settle Up's advantage is chart position (#190 vs unranked). On price and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month. SaveMate AI Expense Tracker asks for nothing beyond the download.

Scorecard4 real differences · 7 level
Settle Up versus SaveMate AI Expense Tracker: the parameters behind the verdict, then further details
ParameterSettle UpSaveMate AI Expense Tracker
PriceFreeFree
Rating4.8 (1.7K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 2 weeks—
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
Best chart rank#190 — better—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.415.1 — better
Further details — not scored
Size103 MB34 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.ESTELLE DARCY AI AND AUTOMATION PRIVATE LIMITED

Bugs and requests

Settle Up

Reported bugs

4 issues
  • Expense details disappearing
  • Inability to create new groups
  • Keyboard issues on iOS 8
  • Incompatibility with iPad

Requested features

3 requests
  • 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)

SaveMate AI Expense Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Settle Up

Subscriptions2
  • Monthly Premium$3.991 Month
  • Yearly Premium7 Days trial$19.991 Year
One-time8
  • Group Premium for 1 week$5.99
  • Group Premium for 2 weeks$9.99
  • Group Premium for 2 months$14.99
Show 5 more
  • Group Premium for 1 month$14.99
  • Group Premium for 2 months$29.99
  • Group Premium5 variants$39.99
  • Group Premium for 1 year$39.99
  • Lifetime Group Premium$149.99
None

SaveMate AI Expense Tracker

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is SaveMate AI Expense Tracker free?
SaveMate AI Expense Tracker is free to download, with no in-app purchases.
Do Settle Up or SaveMate AI Expense Tracker have ads?
Settle Up shows ads; SaveMate AI Expense Tracker does not.

Other comparisons