# Settle Up vs SaveMate AI Expense Tracker

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.

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.

## The numbers

| Metric | Settle Up | SaveMate AI Expense Tracker |
| --- | --- | --- |
| 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 | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | — |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#190** | — |
| Size | 103 MB | 34 MB |
| Requires iOS | 17.4 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [ESTELLE DARCY AI AND AUTOMATION PRIVATE LIMITED](https://appshunter.io/developer/1888232337) |

## What reviewers say

### Settle Up

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

**Currently charting:** #190 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)


### SaveMate AI Expense Tracker

[App page](https://appshunter.io/ios/app/savemate-ai-expense-tracker/id6787752708)

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

**In-app purchases:** none


## Frequently asked 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.

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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.*