Splitwise vs Settle Up

Splitwise8.8Visit Settle Up7.9Visit

Higher score Splitwise #1 in Bill Splitting Apps 8.8/10 Free plan Free plan✓ 0 of 2 features Visit Splitwise

vs

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

• Splitwise fits best

  Established all-purpose group expense splitting

• Settle Up fits best

  Feature-rich splitting across many platforms

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	Splitwise 8.8/10 Visit ↗	Settle Up 7.9/10 Visit ↗
At a glance
Editor score	8.8	7.9
Ranking	#1 in Bill Splitting Apps	#2 in Bill Splitting Apps
Best for	Established all-purpose group expense splitting	Feature-rich splitting across many platforms
Pricing model	Free plan + paid	Free plan + paid
Starting price	—	—
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Desktop, Mobile
Platforms	Web, iOS, Android	Web, Windows, iOS, Android
Support	Email, Docs	Email
Integrations	4 integrations	4 integrations
Built for	Solo, Small business	Solo, Small business
Features Splitwise 0/2 · Settle Up 0/2
Multiple currencies	Not checked yet	Not checked yet
Recurring expenses	Not checked yet	Not checked yet
Specs
Max group members	Not checked yet	Not checked yet
Expense entry methods	Not checked yet	Not checked yet
Settlement methods	Not checked yet	Not checked yet
Supported platforms	Not checked yet	Not checked yet
Our review
Pros	Supports equal, unequal, percentage, and share-based splits Tracks recurring expenses, receipts, currencies, balances, and spending charts Runs on web, iOS, Android, and API with several payment integrations	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
Cons	Does not support international transfers Splitwise Pay is limited to eligible U.S. residents and requires approval Pro pricing varies by country, taxes, promotions, and subscription date	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
Our verdict	Splitwise is an expense-sharing app for friends, families, roommates, and travel groups. It records shared expenses, calculates balances, handles equal or uneven splits, tracks informal debts, simplifies repayments, and supports settlement… Read the review →	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 →

Strengths and trade-offs

• Splitwise — where it wins

  • Supports equal, unequal, percentage, and share-based splits
  • Tracks recurring expenses, receipts, currencies, balances, and spending charts
  • Runs on web, iOS, Android, and API with several payment integrations

  Where it doesn't

  • Does not support international transfers
  • Splitwise Pay is limited to eligible U.S. residents and requires approval
  • Pro pricing varies by country, taxes, promotions, and subscription date

• 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

• Splitwise8.8/10 · Free plan

  A flexible way for friends, families, roommates, and travel groups to settle shared costs.

  Visit SplitwiseFull verdict →
• Settle Up7.9/10 · Free plan

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

  Visit Settle UpFull verdict →