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Head-to-head · Bill Splitting Apps

Settle Up vs Spliit

  • 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
Spliit #7 in Bill Splitting Apps 7.5/10 Free plan Free plan✓ 2 of 2 features Visit Spliit

Settle Up leads on 0 checks, Spliit 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 featuresSpliit · 2 of 2

Settle Up scores higher on our rubric for bill splitting apps: 7.9 against 7.5 out of 10; our editors rank them #2 and #7.

Settle Up is the better fit for feature-rich splitting across many platforms. Spliit is the better fit for open-source self-hosted expense sharing.

  • Settle Up fits best

    Feature-rich splitting across many platforms

  • Spliit fits best

    Open-source self-hosted expense sharing

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Settle Up 7.9/10 Visit ↗ Spliit 7.5/10 Visit ↗
At a glance
Editor score 7.9 7.5
Ranking #2 in Bill Splitting Apps #7 in Bill Splitting Apps
Best for Feature-rich splitting across many platforms Open-source self-hosted expense sharing
Pricing model Free plan + paid Free
Starting price — Free plan
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Desktop, Mobile Cloud, Self-hosted, Mobile
Platforms Web, Windows, iOS, Android Web, iOS
Support Email Email
Built for Solo, Small business Solo, Small business
Features Settle Up 0/2 · Spliit 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 reimbursements, optimized money transfers
Supported platforms Not checked yet web, ios, self_hosted
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
  • Splits costs evenly, by shares, percentages, or exact amounts
  • Recurring expenses, receipt scanning, and categories support ongoing groups
  • Self-hosting plus web and iOS access, with optimized reimbursements
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
  • Self-hosted deployment requires you to operate your own instance
  • Mobile access is listed for iOS, alongside the web app
  • Support is provided through email
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 →

Spliit is a free, open-source application for sharing expenses with friends and family. It lets people create groups, invite participants, record costs, attach or scan receipt images, and review balances. Splits can be even, share-based,…

Read the review →
  1. Settle UpBill Splitting Apps 7.9Free plan
  2. SpliitBill Splitting Apps 7.5Free 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

  • Spliit — where it wins

    • Splits costs evenly, by shares, percentages, or exact amounts
    • Recurring expenses, receipt scanning, and categories support ongoing groups
    • Self-hosting plus web and iOS access, with optimized reimbursements

    Where it doesn't

    • Self-hosted deployment requires you to operate your own instance
    • Mobile access is listed for iOS, alongside the web app
    • Support is provided through email
  • Settle Up7.9/10 · Free plan

    Feature-rich expense splitting with debt minimization, offline sync and broad platform support.

    Visit Settle UpFull verdict →
  • Spliit7.5/10 · Free plan

    A free, open-source way to track shared costs, receipts, balances, and reimbursements.

    Visit SpliitFull verdict →

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