Comparison

Settle Up vs Bonado Group Expense Tracking

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
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

Bonado Group Expense Tracking

Features
Read full description

Bonado helps groups track shared trip expenses without rebuilding a spreadsheet every night. Create a trip, invite your travel group, add expenses in different currencies, and see who paid, who owes, and how to settle up. Bonado is designed for real group travel: temporary members, shared invite links, itemized splits, receipts, payment methods, spending reports, and settlement tracking all live in one place. What you can do with Bonado: • Create trips and invite friends • Add temporary members before everyone joins • Split expenses equally, by percentage, by shares, by exact amount, or by item • Track who paid and which payment method was used • Add receipt photos to transactions • View transaction history grouped by date • See each person’s balance • Record settlements • Review spending by category and payment method • Use multiple currencies for trip expenses • Get notifications for transaction updates involving you Bonado is built for trips where plans change, people join late, someone pays in another currency, and everyone still wants the group to stay aligned. Less confusion. Fewer awkward reminders. Cleaner trip expense tracking.

Screenshots

Settle Up4 screens
Bonado Group Expense Tracking4 screens

Verdict

The call

The clearest difference is in-app purchases: Bonado Group Expense Tracking at none against Settle Up's 14. Bonado Group Expense Tracking also leads on ads (none vs shown) and update cadence (every 3 days vs every 2 weeks). 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. Bonado Group Expense Tracking asks for nothing beyond the download.

UpkeepUpdate frequency

Settle Up ships an update every 2 weeks, Bonado Group Expense Tracking every 3 days. The most recent releases landed on October 23, 2026 and October 10, 2026 respectively.

Scorecard4 real differences · 6 level
Settle Up versus Bonado Group Expense Tracking: the parameters behind the verdict, then further details
ParameterSettle UpBonado Group Expense Tracking
PriceFreeFree
Rating4.8 (1.8K ratings) — better—
Positive reviews58.5% of reviews—
Number of ratings1.8K — better—
Update frequencyEvery 2 weeksEvery 3 days — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size103 MB5 MB
Age rating4+4+
DeveloperStep Up Labs, Inc.ANGELO AVENDANO

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)

Bonado Group Expense Tracking

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

Bonado Group Expense Tracking

No in-app purchases

Questions

Is Settle Up free?
Settle Up is free to download, with in-app purchases available.
Is Bonado Group Expense Tracking free?
Bonado Group Expense Tracking is free to download, with no in-app purchases.
Do Settle Up or Bonado Group Expense Tracking have ads?
Settle Up shows ads; Bonado Group Expense Tracking does not.
Which is updated more often, Settle Up or Bonado Group Expense Tracking?
Settle Up ships an update every 2 weeks, and Bonado Group Expense Tracking every 3 days. Most recently, Settle Up was updated on October 23, 2026 and Bonado Group Expense Tracking on October 10, 2026.

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