# Settle Up vs Splid

Settle Up and Splid both sit at 4.8 stars, but that hides the real split: 98% of Splid's written reviews are positive against 59% of Settle Up's. Splid also leads on ads (none vs shown). Settle Up's advantage is update cadence (every 2 weeks vs every 3 months). On price, rating, ratings volume 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 Splid sells 2 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.8 for Settle Up against 4.9 for Splid. Both are backed by a comparable volume of ratings — 1.7K and 4K respectively. Written reviews are what separate them: 59% of Settle Up's written reviews are positive against 98% of Splid's.

Settle Up ships an update every 2 weeks, Splid every 3 months. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Settle Up | Splid |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[4.9 (4K ratings)](https://appshunter.io/ios/app/splid-split-group-bills/id991473495/reviews)** |
| Number of ratings | 1.7K | **4K** |
| Positive reviews | 58.5% of reviews | **98.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 103 MB | 12 MB |
| Requires iOS | 17.4 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [Nicolas Jersch](https://appshunter.io/developer/991473494) |

## 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)


### Splid

[App page](https://appshunter.io/ios/app/splid-split-group-bills/id991473495)

Easily track and settle group expenses for holidays, housemates, or relationships. Enter all costs and see who owes what, even with complex or multi-currency transactions. Works online and offline with no sign-up required.

**Highlights:** Track group expenses, Settle up easily, Online and offline functionality, Multi-currency support, PDF/Excel export, Handles complex transactions

**Features:** Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 2 Groups | $2.99 | one-time |
| Splid Plus | $3.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 🚀 Intuitive interface
- 💰 Free with optional paid features
- 💳 Supports multiple currencies
- 🤝 Facilitates group expense sharing

**What reviewers complain about**

- 🐛 Occasional bugs or glitches
- ⚠️ Limited customization options
- 🔢 Confusing settlement calculations
- 🗓️ Lack of date/time sorting for expenses

**Reported bugs**

- Incorrect expense split calculations
- Inability to delete or edit past expenses

**Requested features**

- Add ability to attach receipts/photos
- Implement recurring expense tracking
- Improve currency conversion handling
- Allow custom expense categorization
- Provide more detailed expense reporting


## Frequently asked questions

### Is Settle Up free?

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

### Is Splid free?

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

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

Splid is rated higher. Settle Up averages 4.8 out of 5 from 1.7K ratings, while Splid averages 4.9 from 4K ratings.

### Do Settle Up or Splid have ads?

Settle Up shows ads; Splid does not.

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

Settle Up ships an update every 2 weeks, and Splid every 3 months. Most recently, Settle Up was updated on September 24, 2026 and Splid on September 23, 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.*