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Head-to-head · Bill Splitting Apps

Settle Up vs Splitser

  • 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
Splitser #8 in Bill Splitting Apps 7.5/10 Free plan Free plan✓ 2 of 2 features Visit Splitser

Settle Up leads on 0 checks, Splitser 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 featuresSplitser · 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 #8.

Settle Up is the better fit for feature-rich splitting across many platforms. Splitser is the better fit for large groups needing payments and exports.

  • Settle Up fits best

    Feature-rich splitting across many platforms

  • Splitser fits best

    Large groups needing payments and exports

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Side by side

Feature Settle Up 7.9/10 Visit ↗ Splitser 7.5/10 Visit ↗
At a glance
Editor score 7.9 7.5
Ranking #2 in Bill Splitting Apps #8 in Bill Splitting Apps
Best for Feature-rich splitting across many platforms Large groups needing payments and exports
Pricing model Free plan + paid Free
Starting price — Free plan
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 2 integrations
Built for Solo, Small business Solo, Small business
Features Settle Up 0/2 · Splitser 2/2
Multiple currencies Not checked yet ✓ (best)
Recurring expenses Not checked yet ✓ (best)
Specs
Max group members Not checked yet 150 members
Expense entry methods Not checked yet Manual + receipt
Settlement methods Not checked yet iDEAL | Wero, Bancontact
Supported platforms Not checked yet web, ios, android
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 lists with up to 150 members across group types
  • Handles 150+ currencies, conversion, recurring expenses and receipt photos
  • Minimizes mutual payments and generates settlement PDFs
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
  • Direct payment methods are limited to iDEAL | Wero and Bancontact
  • Group lists have a stated maximum of 150 members
  • Its focus is shared expenses rather than broader accounting workflows
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 →

Splitser is a web, iOS and Android app for tracking and settling shared expenses. It supports trips, households, events, roommate arrangements, colleague groups and other shared-cost situations. Users can create lists, record expenses,…

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

  • Splitser — where it wins

    • Supports lists with up to 150 members across group types
    • Handles 150+ currencies, conversion, recurring expenses and receipt photos
    • Minimizes mutual payments and generates settlement PDFs

    Where it doesn't

    • Direct payment methods are limited to iDEAL | Wero and Bancontact
    • Group lists have a stated maximum of 150 members
    • Its focus is shared expenses rather than broader accounting workflows

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