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Settle Up

Freemium#22 of 24 in Peer-to-Peer Payment AppsBill Splitting Apps Personal Finance Software

Settle Up: A detailed group expense tracker for complex splits, offline use and debt minimization. Ranked #22 of 24 in Peer-to-Peer Payment Apps by our editors (6.7/10); pricing: Free plan; best for complex offline group expense splitting.

6.7/10Editor score

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Settle Up6.7 Visit Settle Up

At a glance

Editor score
6.7 / 10
Pricing
Free plan
Best for
Complex offline group expense splitting
Free plan
Yes
Split payments
Yes
Facts checked
20 Sep 2026

Where it wins
- Handles even, weighted and complex expense splits with multiple payers
- Works offline and synchronizes groups across supported platforms
- Minimizes debts and supports multiple currencies and Lightning settlement
Where it doesn't
- Primarily tracks shared expenses rather than acting as a general payment wallet
- Advanced features such as receipts and Excel export require a paid plan
- Lightning settlement may not suit groups seeking conventional payment transfers

Our verdict on Settle Up

Settle Up is a group expense tracker for travellers, flatmates, couples, event organizers and other groups of friends. It records shared expenses and IOUs, supports even, weighted and complex splits, and allows multiple people to pay one expense. Groups can view balances, reduce the number of transfers needed through debt minimization, and keep shared records across web, Windows, iOS and Android apps.

The product follows a freemium model with a free plan. According to the published plans, Premium starts at 3.99 and adds ad-free use, receipt photos, recurring expenses, custom categories, statistics and Excel export. Group Premium enables Premium features for everyone in one group, while Lifetime Group Premium provides the same group-focused Premium access as a lifetime option. These tiers are most relevant when groups need records beyond basic expense entry, especially recurring costs, receipt documentation or spreadsheet-based review.

Settle Up is suited to groups that need detailed expense logic rather than a conventional peer-to-peer payment wallet. It supports offline operation with later synchronization, multiple currencies and exchange rates, recurring expense notifications, and settlement through Bitcoin Lightning addresses. Integrations include Google Assistant, Alexa, Cortana and Bitcoin Lightning, while synchronization across its web, Windows and mobile apps supports shared visibility. Choose it for trips, households or events with complicated balances and occasional connectivity; choose a conventional payment app instead when sending standard peer payments is the central requirement.

Your product? Our editors can test Settle Up in depth and publish a review, labelled as paid · from $149/mo →

Settle Up pricing

Plans Free planFreemium A usable free plan; paid tiers unlock the limits above. Prices checked 20 Sep 2026.

See plans on settleup.io

All 3 Settle Up plans and prices →

Settle Up fact sheet

Free plan	Yes
Paid from	Not verified
Split payments	Yes
Payment requests	Not verified
Instant transfer	Yes
International transfers	Not verified
Daily send limit	Not verified
Cash-out fee model	Not verified
Deployment	Cloud, Desktop, Mobile
Platforms	Web, Windows, iOS, Android
Support	Email
Built for	Solo, Small business (editorial estimate)
Integrations	4 integrations: Google Assistant, Alexa, Cortana, Bitcoin Lightning
Pricing	Free plan (source)
Website	settleup.io
Facts checked	20 Sep 2026

Settle Up integrations

Settle Up lists 4 integrations on its own site.

Google Assistant
Alexa
Cortana
Bitcoin Lightning

Alternatives to Settle Up

See all Settle Up alternatives →

Also Ranked In

Settle Up is ranked in 3 of our directories.

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Settle Up for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

Settle Up is listed in our Peer-to-Peer Payment Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update