# Settle Up vs CostMog

The clearest difference is ads: CostMog at none against Settle Up's shown. Settle Up's advantage is ratings volume (1.8K vs 1). On price, rating, update cadence and in-app purchases there is nothing between them.

Both are free to download. Settle Up sells 10 in-app purchases, starting at $3.99 per month and CostMog sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

CostMog holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 1, so its average is the more settled of the two.

Settle Up ships an update every 2 weeks, CostMog every 10 days. The most recent releases landed on October 26, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Settle Up | CostMog |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/costmog/id6788530523/reviews)** |
| Number of ratings | **1.8K** | 1 |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 103 MB | 9 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Steas Software](https://appshunter.io/developer/6788530525) |

## 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)


### CostMog

[App page](https://appshunter.io/ios/app/costmog/id6788530523)

Effortlessly track and split shared expenses with friends and family. Organize everyday costs, create groups for trips or households, and see who owes whom at a glance. Optional receipt scanning and recurring expense features are available.

**Highlights:** Track shared expenses, Split costs evenly or custom, Scan receipts and assign items, Create groups for households/trips, See who owes whom, Record settlements, Activity notifications

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CostMog Pro Monthly | $4.99 | per month |
| CostMog Pro Yearly | $39.99 | per year |
| CostMog Pro Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

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

### Is CostMog free?

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

### Which has better reviews, Settle Up or CostMog?

CostMog is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while CostMog averages 5.0 from 1 ratings.

### Do Settle Up or CostMog have ads?

Settle Up shows ads; CostMog does not.

### Which is updated more often, Settle Up or CostMog?

Settle Up ships an update every 2 weeks, and CostMog every 10 days. Most recently, Settle Up was updated on October 26, 2026 and CostMog on October 8, 2026.

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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.*