Settle Up is a smart expense-splitting app that takes the hassle out of group finances. Designed for travelers, roommates, and friends, it tracks shared bills, calculates debts instantly, and supports multiple currencies. Its clean interface and real-time sync make splitting costs transparent and stress-free—perfect for anyone tired of manual math.
Key Features of Settle Up:
🌟 Auto-Debt Calculator – Splits bills based on custom ratios, unequal shares, or fixed amounts.
🌟 Multi-Currency Support – Converts 150+ currencies using live exchange rates for global use.
❤ Offline Mode – Works without internet, syncing data once reconnected.
❤ Shared Groups – Non-users can view balances via link—no app install needed.
✨ Receipt Scanning – Snap a photo to auto-log expenses and assign payers.
Pros of Settle Up:
Lightning-fast calculations eliminate manual errors.
Cross-platform sync (iOS, Android, and web) keeps everyone updated.
Encrypted backups prevent data loss.
Customizable reminders nudge friends to settle dues.
Cons of Settle Up:
- Limited budgeting tools compared to rivals like Splitwise.
- No built-in payment gateway for direct settlements.
- Advanced features require a premium subscription.
Behind the App
Developed by Czech tech company Fortuma, Settle Up benefits from a team specializing in fintech solutions since 2013. Their focus on minimalist design and security has earned trust among 5M+ users worldwide.
Competitor Comparison of Settle Up:
Splitwise: Stronger for recurring expenses but lacks Settle Up’s receipt-scanning feature.
Tricount: Simpler interface but limited to euro-centric currency support.
Splid: Ideal for travelers but lacks web accessibility.
User Love
Rated 4.7/5 on the Play Store and 4.8/5 on the App Store, users praise its reliability for trips and shared households. Over 10M downloads highlight its global appeal, with reviews calling it “a lifesaver for group vacations.”
Latest Updates
The August 2023 update introduced dark mode and improved scan accuracy for handwritten receipts.
