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Head-to-head · Bill Splitting Apps

Settle Up vs Counted

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Settle Up #2 in Bill Splitting Apps 7.9/10 Free plan Free plan✓ 0 of 2 features Visit Settle Up
Counted #5 in Bill Splitting Apps 7.7/10 Free plan Free plan✓ 2 of 2 features Visit Counted

Settle Up leads on 0 checks, Counted on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreSettle Up · 7.9/10
  • Free planboth
  • Most featuresCounted · 2 of 2

Settle Up scores higher on our rubric for bill splitting apps: 7.9 against 7.7 out of 10; our editors rank them #2 and #5.

Settle Up is the better fit for feature-rich splitting across many platforms. Counted is the better fit for privacy-focused free splitting with receipt capture.

  • Settle Up fits best

    Feature-rich splitting across many platforms

  • Counted fits best

    Privacy-focused free splitting with receipt capture

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Side by side

Feature Settle Up 7.9/10 Visit ↗ Counted 7.7/10 Visit ↗
At a glance
Editor score 7.9 7.7
Ranking #2 in Bill Splitting Apps #5 in Bill Splitting Apps
Best for Feature-rich splitting across many platforms Privacy-focused free splitting with receipt capture
Pricing model Free plan + paid Free
Starting price — Free
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Desktop, Mobile Cloud, Mobile
Platforms Web, Windows, iOS, Android Web, iOS, Android
Support Email Email, Docs
Integrations 4 integrations 6 integrations
Built for Solo, Small business Solo, Small business
Features Settle Up 0/2 · Counted 2/2
Multiple currencies Not checked yet ✓ (best)
Recurring expenses Not checked yet ✓ (best)
Specs
Max group members Not checked yet Not checked yet
Expense entry methods Not checked yet Manual + receipt
Settlement methods Not checked yet IBAN, PayPal, Wero, Lydia, Revolut
Supported platforms Not checked yet web, android, ios
Our review
Pros
  • Handles even, weighted and complex splits with multiple payers
  • Minimizes transfers and syncs groups across web, Windows, iOS and Android
  • Supports currencies, offline use, receipts, recurring expenses and exports
  • No account, ads, trackers, subscriptions or participant limits
  • On-device receipt scanning, offline entry and 150+ currencies
  • End-to-end encryption with exports and multiple payment details
Cons
  • Advanced tools such as receipts and statistics require a premium plan
  • Support is provided through email
  • It tracks group debts rather than acting as a conventional payment wallet
  • Receipt scanning is available only in the mobile apps
  • Payment details cover a defined set of services and providers
  • Support is provided through email and documentation
Our verdict

Settle Up is a shared expense and IOU tracker for travellers, flatmates, couples, event organizers and other groups of friends. Members can record expenses, assign even, weighted or complex shares, allow multiple people to pay one bill,…

Read the review →

Counted is a web, Android and iOS app for friends, flatmates and travel groups who need to track shared spending without creating accounts. A project is shared by link, and participants can record expenses, transfers and gains. Splits can…

Read the review →
  1. Settle UpBill Splitting Apps 7.9Free plan
  2. CountedBill Splitting Apps 7.7Free plan

Strengths and trade-offs

  • Settle Up — where it wins

    • Handles even, weighted and complex splits with multiple payers
    • Minimizes transfers and syncs groups across web, Windows, iOS and Android
    • Supports currencies, offline use, receipts, recurring expenses and exports

    Where it doesn't

    • Advanced tools such as receipts and statistics require a premium plan
    • Support is provided through email
    • It tracks group debts rather than acting as a conventional payment wallet

  • Counted — where it wins

    • No account, ads, trackers, subscriptions or participant limits
    • On-device receipt scanning, offline entry and 150+ currencies
    • End-to-end encryption with exports and multiple payment details

    Where it doesn't

    • Receipt scanning is available only in the mobile apps
    • Payment details cover a defined set of services and providers
    • Support is provided through email and documentation

More comparisons

All bill splitting apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update