Settle group expenses without the stress.
Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner?
Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun.
Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances!
WHY SETTLE UP?
– Split anything: Whether it’s an even split, unequal weights, or multiple people paying for one item, we handle every real-life scenario.
– Smart settlements: Our unique algorithm calculates the fewest possible transfers to settle all debts, saving you time and transaction fees.
– Works everywhere: Sync data across Android, iOS, and web app. No internet? No problem — it works offline and syncs when you’re back.
– No app required: Share a group link so friends can view the balance in their browser without downloading anything.
POWERFUL FEATURES FOR REAL LIFE
– Global ready: Supports all currencies with real-time exchange rates for international travel.
– Ultra-fast sharing: Invite friends via a simple link or a QR code.
– Export & reports: Need a deep dive? Export your data to CSV for easy accounting.
– Instant transparency: Get notified the second someone adds an expense or settles up. Settle Up will even remind group members automatically and nudge them to settle their debts.
UPGRADE TO PREMIUM FOR THE FULL EXPERIENCE
Unlock the tools designed for power users and frequent travelers:
– Ad-free: Focus on your finances without distractions.
– Receipt photos: Snap and store bills directly in the group.
– Recurring & future expenses: Automate rent, subscriptions, and utility bills.
– Custom categories: Organize your spending with colorful, personalized labels.
– Export to Excel: Get a full expense report in a spreadsheet.
– Statistics: View charts on spend by categories and members.
Stop worrying about the math. Start enjoying the moment.
Download Settle Up today and sail through your next group expense!
Visit our Terms of Service and Privacy policy at: https://settleup.io/tos.html
I absolutely love this app. Been traveling with friends for years, and this one has been the absolute best. It allows weighted contributions for people… for example, a married couple can have an assigned value of 2, and single people can have a value of 1. Making it so an even split bill (such as a taxi or hotel) will automatically split appropriately. If you’re traveling through multiple countries with multiple currencies, it will accurately convert the consolidated debts of each person in a group. We used to spend hours obsessing over who owes what at the end of a trip, but it’s not an issue anymore. It’s worth purchasing premium for the group (one time cost, benefits all transactions within the group). Groups can be reset after a trip is complete, which means you can continue having the perks of premium for a future trip at no extra cost.
Top tier splitting app
iamwirking2
This is absolutely one of the best if not the best splitting app available. First- the most common activity on this kind of app is adding an expense on the go, so you want it to be quick and painless. Settle up by far has the fastest expense adding framework, because you can start by tapping the name of the person who paid. Seems like a small thing, but it makes a big difference in the field. Second- exporting transactions is not behind a paywall. Third- unlimited transactions not behind paywall. Fourth- default shares for groups and an advanced expense adding experience for things like meals where tax and tip might be separate from the item subtotal. This includes a calculator in the subtotal area as well. Overall- the app looks a little dated. But who cares. All the basic functionality is there, it’s the fastest to add an expense, and only appropriate functionality is behind the paywall (like categories, receipt storage, and recurring transactions).
Great app, very intuitive and well thought through. But
Ivolvo
This is the best app for splitting expenses I found. It has a very slick interface, all required details are easily available and accessible. I wish it had 3 relatively small features that I proposed to the authors that could be implemented (had no negative or positive response from the authors so far).Ability to assign a fixed amount to a person(s) and exclude them from further sharing. Use case: a participant bought something completely different and their prices are fixed regarding the rest of the spendingAbility to assign adjustments for sharing. Use case: in a restaurant, the entire bill is split evenly but one person ordered an expensive drink for himself and wants to exclude this amount from sharing, or a person didn’t order an expensive dessert and its share should be reduced by this amountAbility to create a paying group which is very natural in multi-family events (especially with children who could be accounted for differently). All calculations are as is but in the end, group spending and debts are combined. It makes regular accounting simple. No multipliers, all other accounting as described in 1) and 2) are still applicable on the individual level but the final settlement is naturalThe nice thing is that all these features could be introduced in a way that the old interface would work the same way without additional complexity for those who are not interested yet accommodating more complex use cases. I hope developers would listen to this proposals, it doesn’t look too complex and should not change the existing API too much
Takes all the stress out of group outings
April GM
This app was a game changer on a recent group trip. It allowed us to relax and just live our best lives while not having to worry about whether we were kicking in too much or not enough, or having to do any kind of math with vacation brains. Can't recommend it enough.
- Stability & design improvements
Version 3.16.1
The developer, Step Up Labs, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
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The following data may be collected and linked to your identity:
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The following data may be collected but it is not linked to your identity:
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Information
Seller
Step Up Labs, Inc.
Size
87.3 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
iPad Requires iPadOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.