Settle Up
8.1#1 in peer-to-peer payment appsFree planFree planAndroidiOSWebAPI
VisitSettle Up vs Splitwise
What both publish
| Fact | Settle Up | Splitwise |
|---|---|---|
| API authentication | Most API requests require Firebase Authentication; live API keys are issued after developer registration and review. | Documented endpoints support OAuth and API-key authentication and expose JSON request and response examples. |
| Currencies | Exchange rates are downloaded daily from Yahoo, can be edited, and are applied to transactions in different currencies. | The site lists support for 100+ currencies, and Pro offers currency conversion using current foreign exchange rates. |
| Free plan | Yes | Yes |
| Headquarters | Casper, Wyoming, United States | Providence, Rhode Island, USA |
| Purpose | Settle Up tracks group expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends. | Splitwise organizes shared expenses and IOUs so friends, family, housemates, and trip groups can track who owes whom. |
| Rating on Apple App Store | 4.8 out of 5 from 1.8K reviews | 4.0 out of 5 from 29K ratings |
| Rating on Google Play | 4.7 out of 5 from 50.5K reviews | 4.0 out of 5 from 195K reviews |
Settle Up plans
- Premium—
- FreeFree
- Monthly Premium$3.99 a month
- Group Premium for 1 week$5.99, paid once
- Group Premium for 2 weeks$9.99, paid once
- Group Premium for 1 month$14.99 a month
Splitwise plans
- Individual + Trip Pass—
- Duo + Trip Pass—
- Monthly subscription—
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
Pick Settle Up if…
Settle Up suits groups that share expenses or IOUs, including travel parties, households, couples, and event organizers. Its unequal splits and multiple-payer entries can help with expenses that are not divided evenly.
Pick Splitwise if…
Splitwise suits friends, family, housemates and travel groups who want to record shared costs and settle balances. Its free plan and unequal splitting options may suit groups with varied expense-sharing arrangements.