Settle Up

Input—per 1M tokens

Output—per 1M tokens

Context—tokens

WeightsClosed

About

Settle Up tracks shared expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends. It calculates who should pay next while aiming to reduce the number of transactions needed to settle group debts. Expense entries can use unequal weighted shares, multiple payers, income records and itemized bills. The app works offline and synchronizes again when internet access returns. It supports all currencies with real-time exchange rates, and groups can be shared through a link or QR code. Free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets and shortcuts. Premium adds ad-free use, receipt photos, recurring expenses, custom categories and Excel export. Monthly Premium is 3.99 USD per month; Yearly Premium is 19.99 USD per year. Group Premium is also available at several durations, including 14.99 USD per month for one month. Settle Up runs on Android, iOS, web and Windows. Its public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as its backend.

Who it is for

Settle Up suits groups that need to track shared costs across trips, households, couples or events. Its offline mode, varied split options and multi-platform availability may also fit groups whose members use different devices.

What is good

Supports unequal weighted expense shares.
Records multiple payers, income and itemized bills.
Works offline and syncs when connected.
Groups can be shared by link or QR code.
Lightning debt settlement adds only network fees.

What to know first

Premium prices are listed for several durations.
Group members can see names, emails and group data.
Data are stored in the United States.

Verdict

Settle Up covers common group expense workflows, including unequal splits, offline entry and multi-currency support. Groups should consider its visibility of member data and compare the listed Premium durations with their needs.

Compared on personal finance software

Free plan: Yessettleup.io
Split payments: Yessettleup.io
Instant transfer: Yessettleup.io

Facts

Purpose: Settle Up tracks group expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends.settleup.io · 3 Oct 2026
Debt settlement: It shows who pays next and minimizes the number of transactions between group members.settleup.io · 3 Oct 2026
Expense splits: The app supports unequal weighted shares, multiple people paying for one expense, incomes and itemized bills.play.google.com · 3 Oct 2026
Offline use: The app works offline and syncs when internet access returns.play.google.com · 3 Oct 2026
Currencies and sharing: It supports all currencies with real-time exchange rates and lets users share groups by link or QR code.play.google.com · 3 Oct 2026
Free features: The listed free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets and shortcuts.play.google.com · 3 Oct 2026
Premium features: Premium includes ad-free use, receipt photos, expense categories, recurring transactions, Excel export and group colour choices.play.google.com · 3 Oct 2026
API and backend: The public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as the backend.api.settleup.io · 3 Oct 2026
Lightning payments: Users can settle debts directly to a group member's Lightning address, with no Settle Up fee beyond network fees.settleup.io · 3 Oct 2026
Data location: The privacy policy says data are stored in Google Cloud Platform services Firebase and Google App Engine in the United States.settleup.io · 3 Oct 2026
Security and privacy: The privacy policy says data are provided only over HTTPS and that the company complies with privacy regulations such as GDPR.settleup.io · 3 Oct 2026
Data sharing: The policy says group members can see a user's name, email, profile pictures and entered transaction and other group data.settleup.io · 3 Oct 2026
Data export: The Android app has built-in CSV export for individual groups, and users can contact the company for more extensive exports.settleup.io · 3 Oct 2026
Support: The support page lists separate contact emails for Android, iOS, web and Windows app feedback and says they will reply.settleup.io · 3 Oct 2026