Settle Up vs SplitMyExpenses

Settle Up7.9Visit SSplitMyExpenses7.9Visit

Settle Up #2 in Bill Splitting Apps 7.9/10 Free plan Free plan✓ 0 of 2 features Visit Settle Up

vs

S SplitMyExpenses #3 in Bill Splitting Apps 7.9/10 Free plan Free plan✓ 2 of 2 features See SplitMyExpenses

• Settle Up fits best

  Feature-rich splitting across many platforms

• SplitMyExpenses fits best

  Power users needing imports and settlement links

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Side by side

Feature	Settle Up 7.9/10 Visit ↗	SSplitMyExpenses 7.9/10 Visit ↗
At a glance
Editor score	7.9	7.9
Ranking	#2 in Bill Splitting Apps	#3 in Bill Splitting Apps
Best for	Feature-rich splitting across many platforms	Power users needing imports and settlement links
Pricing model	Free plan + paid	Free plan + paid
Starting price	—	$3.99/mo
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Desktop, Mobile	Cloud, Mobile
Platforms	Web, Windows, iOS, Android	Web, iOS, Android, macOS
Support	Email	Email, Docs
Integrations	4 integrations	6 integrations
Built for	Solo, Small business	Solo, Small business
Features Settle Up 0/2 · SplitMyExpenses 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	Venmo, PayPal, Cash App, Zelle, cash, UPI
Supported platforms	Not checked yet	web, iOS, Android, macOS
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	Supports equal, amount, percentage, shares, adjustment, and itemized splits Imports bank, card, CSV, Excel, and TXT expenses Links settlements through Venmo, PayPal, Cash App, Zelle, UPI, and cash
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 and item splitting require the Premium plan Free imports cover expenses only up to one month old Support is limited to 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 →	SplitMyExpenses is a bill-splitting app for friends, couples, roommates, and travel groups. It lets members create groups, record shared expenses, select among equal, amount, percentage, shares, adjustment, or itemized splits, and track… Read the review →

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

• SplitMyExpenses — where it wins

  • Supports equal, amount, percentage, shares, adjustment, and itemized splits
  • Imports bank, card, CSV, Excel, and TXT expenses
  • Links settlements through Venmo, PayPal, Cash App, Zelle, UPI, and cash

  Where it doesn't

  • Receipt scanning and item splitting require the Premium plan
  • Free imports cover expenses only up to one month old
  • Support is limited to email and documentation

• Settle Up7.9/10 · Free plan

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

  Visit Settle UpFull verdict →
• SSplitMyExpenses7.9/10 · Free plan

  Cross-platform bill splitting with AI receipt itemization, imports, recurring expenses, and settlement links.

  See SplitMyExpensesFull verdict →