Settle Up
settleup.io
What it is
Settle Up tracks shared expenses and IOUs, showing groups who should pay next while reducing the number of transactions needed to settle debts. It is intended for travelers, flatmates, couples, event organizers, and groups of friends. Expenses can use unequal weighted shares, multiple payers, incomes, and itemized bills. The app works offline and syncs when internet access returns. It supports all currencies with real-time exchange rates, and groups can be shared by 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, expense categories, recurring transactions, Excel export, and group colour choices. Monthly Premium costs $3.99 a month, and Yearly Premium costs $19.99 a year. Group Premium prices include $5.99, paid once for one week, $14.99 a month, and $39.99 a year. The listed platforms are Android, iOS, web, and Windows.
Spec sheet
- What it does
- Settle Up records shared group expenses and IOUs for travelers, flatmates, couples, event organizers and friends.Read 14 Oct 2026 · settleup.io
- Purpose
- Settle Up tracks group expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends.Read 3 Oct 2026 · settleup.io
- Free plan
- YesRead 20 Sep 2026 · settleup.io
- Support
- The maker lists separate support email addresses for Android, iOS, web and Windows users and promises replies.Read 14 Oct 2026 · settleup.io
- Headquarters
- Casper, Wyoming, United StatesRead 28 Sep 2026 · settleup.io
- Android intents
- Android integrations can open prefilled add-expense, bill, transfer or income screens through intents.Read 14 Oct 2026 · api.settleup.io
- API and backend
- The public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as the backend.Read 3 Oct 2026 · api.settleup.io
- API authentication
- Most API requests require Firebase Authentication; live API keys are issued after developer registration and review.Read 14 Oct 2026 · api.settleup.io
- API capabilities
- The public API is intended to expose everything the mobile apps can do through Firebase SDKs or Firebase REST calls.Read 14 Oct 2026 · api.settleup.io
- API documentation limit
- The operations documentation says it is probably incomplete and invites developers to request extensions by email.Read 14 Oct 2026 · api.settleup.io
- API entities
- Documentation covers groups, members, permissions, transactions, recurring transactions, changes, categories, debts and users.Read 14 Oct 2026 · api.settleup.io
- API integrations
- Published examples include Stripe, Integromat, Up bank, Catchers club, Mercury, YANB PWA and a Settle Up CLI.Read 14 Oct 2026 · api.settleup.io
- Company size and founding
- LinkedIn lists Step Up Labs as a Prague company founded in 2011 with 2–10 employees.Read 14 Oct 2026 · linkedin.com
- Currencies
- Exchange rates are downloaded daily from Yahoo, can be edited, and are applied to transactions in different currencies.Read 14 Oct 2026 · settleup.io
- Currencies and sharing
- It supports all currencies with real-time exchange rates and lets users share groups by link or QR code.Read 3 Oct 2026 · play.google.com
- Data export
- The Android app has built-in CSV export for individual groups, and users can contact the company for more extensive exports.Read 3 Oct 2026 · settleup.io
- Data location
- The privacy policy says data are stored in Google Cloud Platform services Firebase and Google App Engine in the United States.Read 3 Oct 2026 · settleup.io
- Data sharing
- The policy says group members can see a user's name, email, profile pictures and entered transaction and other group data.Read 3 Oct 2026 · settleup.io
- Debt settlement
- It shows who pays next and minimizes the number of transactions between group members.Read 3 Oct 2026 · settleup.io
- Expense splits
- The app supports unequal weighted shares, multiple people paying for one expense, incomes and itemized bills.Read 3 Oct 2026 · play.google.com
- Expense visibility
- Expenses are backed up and synchronized so every group member can view them.Read 14 Oct 2026 · settleup.io
- Exports
- Free functionality includes CSV export by email, while Premium adds Excel export.Read 14 Oct 2026 · play.google.com
- Free features
- The listed free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets and shortcuts.Read 3 Oct 2026 · play.google.com
- Legal owner and headquarters
- Terms identify Step Up Labs Inc. at 1611 E. 2nd Street, Casper, Wyoming, while saying the team is based in the Czech Republic.Read 14 Oct 2026 · settleup.io
- Lightning payments
- Users can settle debts directly to a group member's Lightning address, with no Settle Up fee beyond network fees.Read 3 Oct 2026 · settleup.io
- Limit: cancellation and refunds
- Google Play reviews describe difficulty cancelling Premium and confusion when recording refunds or settled transactions.Read 14 Oct 2026 · play.google.com
- Limit: interface and sync
- Independent reviewers report unintuitive navigation, dated or less polished design, login problems and occasional cross-platform synchronization or balance errors.Read 14 Oct 2026 · justuseapp.com
- Limit: payment integrations
- Independent review analysis reports missing PayPal or Venmo integrations, leaving the app to track debts rather than execute payments.Read 14 Oct 2026 · justuseapp.com
- Limit: requested accounting controls
- App Store feedback requests fixed-amount exclusions, share adjustments and paying groups for more complex family or restaurant bills.Read 14 Oct 2026 · apps.apple.com
- Maker team
- The maker site names David Vávra as founder and CEO and Tomáš Bezouška as partner and CTO, alongside iOS, UX, monetization and QA staff.Read 14 Oct 2026 · stepuplabs.io
- Multiple payers and incomes
- The product supports expenses paid by multiple people and records incomes as negative expenses.Read 14 Oct 2026 · play.google.com
- Notable update
- The Apple version history records September 2026 releases including receipt PDF preview changes and stability fixes.Read 14 Oct 2026 · apps.apple.com
- Offline mode
- The Android listing says the app works offline and synchronizes data when connectivity returns.Read 14 Oct 2026 · play.google.com
- Offline use
- The app works offline and syncs when internet access returns.Read 3 Oct 2026 · play.google.com
- Praise: fast entry
- An App Store reviewer describes expense entry as unusually fast and values free exports and unlimited transactions.Read 14 Oct 2026 · apps.apple.com
- Praise: splitting and travel
- Independent reviewers repeatedly praise weighted shares, multi-currency trips, transparency and reduced repayment transfers.Read 14 Oct 2026 · theappnote.com
- Premium features
- Premium adds ad removal, receipt photos, categories, recurring transactions, statistics, Excel export and extra group colors.Read 14 Oct 2026 · play.google.com
- Rating on Apple App Store
- 4.8 out of 5 from 1.8K reviewsRead 14 Oct 2026 · apps.apple.com
- Rating on Google Play
- 4.7 out of 5 from 50.5K reviewsRead 14 Oct 2026 · play.google.com
- Rating on JustUseApp
- 4.8 out of 5 from 21 customer reviewsRead 14 Oct 2026 · justuseapp.com
- Security and privacy
- The privacy policy says data is transmitted over HTTPS, stored on Google Cloud Firebase/App Engine in the United States, and the service claims GDPR compliance.Read 14 Oct 2026 · settleup.io
- Service availability limit
- Terms provide no guarantee of availability or stability and say the service may be shut down, with attempted email notice for major changes or outages.Read 14 Oct 2026 · settleup.io
- Settlement algorithm
- The app identifies who should pay next and minimizes the number of transfers needed to settle balances.Read 14 Oct 2026 · settleup.io
- Sharing
- Groups can be shared through links or QR codes, and people can view a group without installing the app.Read 14 Oct 2026 · play.google.com
- Splitwise import
- Users can import members and balances from a Splitwise web export when creating a group.Read 14 Oct 2026 · settleup.io
- Voice integrations
- Settle Up documents Google Assistant, Alexa and Cortana integrations for asking who should pay.Read 14 Oct 2026 · settleup.io
- Weighted splitting
- Members can have default share weights, allowing couples or family units to count as multiple shares.Read 14 Oct 2026 · settleup.io
Plans and prices
Premium Price not published Ad-free use · Receipt photos · Recurring expenses · Custom categories · Statistics · Excel export Read 20 Sep 2026 · apps.apple.com
Free Free Core expense tracking; CSV export; group sharing; ads Read 3 Oct 2026 · play.google.com
Free Free core group expense tracking · free features Read 14 Oct 2026 · settleup.io
Monthly Premium $3.99 a month Monthly Premium $3.99 ad-free · receipt photos · recurring expenses · categories · statistics · Excel export Read 14 Oct 2026 · apps.apple.com
Group Premium for 1 week $5.99, paid once Group Premium for 1 week $5.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Group Premium for 2 weeks $9.99, paid once Group Premium for 2 weeks $9.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Group Premium for 1 month $14.99 a month Group Premium for 1 month $14.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Yearly Premium $19.99 a year Yearly Premium $19.99 ad-free · receipt photos · recurring expenses · categories · statistics · Excel export Read 14 Oct 2026 · apps.apple.com
Group Premium for 2 months $29.99, paid once Group Premium for 2 months $29.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Group Premium $39.99, paid once Group Premium $39.99 Premium features for everyone in one group Read 14 Oct 2026 · apps.apple.com
Group Premium for 1 year $39.99 a year Group Premium for 1 year $39.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Lifetime Group Premium $149.99, paid once Lifetime Group Premium $149.99 Premium features for one group Read 14 Oct 2026 · apps.apple.com
Strong points and limits
Strong points
- Supports unequal weighted shares and multiple payers.
- Works offline and syncs when online.
- Supports all currencies with real-time exchange rates.
- Groups can be shared by link or QR code.
- Free plan includes CSV export and backups.
Limits
- Monthly Premium costs $3.99 a month.
- Yearly Premium costs $19.99 a year.
- Premium features require a paid plan.
Who it suits
Settle Up suits groups that share bills, travel expenses, or household costs. Offline use and support for multiple currencies may suit people splitting expenses while traveling.
Settle Up in depth
Read the full write-up
Overview
Settle Up is a group expense tracker for shared trips, homes, couples and events. It is best for groups that need unequal splits and a clear route to settling balances. Choose it for flexible accounting across mobile, web and Windows; look elsewhere if your priority is a dedicated payment service rather than tracking shared expenses.
Key features
Expenses can be divided into weighted shares, attributed to multiple payers, or recorded as incomes and itemized bills. That range suits groups whose costs do not divide neatly per person, though it may be more than a group needs for occasional equal splits. Settle Up also indicates who should pay next and minimizes the number of transfers needed between members, turning a running balance into a more practical settlement plan.
Groups can be shared by link or QR code, and the app supports all currencies with real-time exchange rates. Offline entry is useful when traveling or otherwise without a connection; changes sync when internet returns. Users can also settle a debt directly to a group member’s Lightning address, with no Settle Up fee beyond network fees.
The free tier includes 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 transactions, expense categories, Excel export and group colour choices. The public API documentation says mobile capabilities are accessible through the API and identifies Firebase Realtime Database as the backend.
Pricing
The Free plan costs nothing and covers core expense tracking, CSV export and group sharing, with ads. It is a sensible starting point for groups that can live without the Premium conveniences. Monthly Premium costs $3.99 a month; Yearly Premium costs $19.99 a year. Both include ad-free use, receipt photos, recurring and future expenses, custom categories, Excel export and statistics. The annual option has a lower stated price than twelve monthly payments, while requiring a year’s commitment.
Group Premium enables Premium features for everyone in one group: $5.99, paid once for one week, $9.99, paid once for two weeks, $14.99 a month for one month, $29.99, paid once for two months, or $39.99 a year for one year. This is the relevant route when a group needs shared access to the paid features rather than one member upgrading alone. Premium, Group Premium and Lifetime Group Premium are also offered with custom pricing.
The cheaper Free plan gives up receipt photos, recurring expenses, custom categories and Excel export, and retains ads. No seat cap or trial term is stated for these plans, so the practical distinction is whether the group needs paid conveniences and shared Premium access.
Platforms
Settle Up runs on Android, iOS, web and Windows, making it suitable for groups whose members do not all use the same device type. Offline use with later synchronization helps preserve continuity when internet access is unavailable. The privacy policy says data are stored in Google Cloud Platform services Firebase and Google App Engine in the United States, transmitted over HTTPS, and handled in compliance with regulations such as GDPR. Group members can see a user’s name, email, profile pictures, entered transactions and other group data. Android offers built-in CSV export for individual groups; users can contact the company for more extensive exports.
Who it's for
Settle Up fits travelers, flatmates, couples, event organizers and friends who share costs but do not always contribute equally. Its weighted splits and multiple-payer support are especially useful when bills mix individual and shared items. It is less compelling for someone seeking only a way to send money: its core strength is expense tracking and settlement planning, although Lightning payments provide one direct settlement option.
Pros and cons
Pro: flexible expense accounting. Weighted shares, multiple payers, incomes and itemized bills cover more than simple equal division.
Pro: fewer settlement steps. The app identifies who pays next and minimizes transfers between group members.
Pro: works across contexts. Offline entry, later sync, four platforms and all-currency support suit travel and mixed-device groups.
Con: useful conveniences are paid. Receipt photos, recurring expenses and Excel export require Premium.
Con: group access has its own price. Group Premium has separate terms, so a group wanting paid features for everyone must weigh that against an individual subscription.
Con: group data are visible to members. Names, email addresses, profile pictures and entered group data are shared within the group.
Alternatives
Splitwise is worth comparing if its freemium model, Android, iOS, web and API platforms, or its Individual + Trip Pass and Duo + Trip Pass plans better match your group; Settle Up instead emphasizes offline use, weighted splits and Lightning settlement.
tricount is a free Android and iOS option with no ads or limits, a straightforward alternative if those terms matter more than Settle Up’s listed features.
Wise is a freemium Android, iOS and web service with no subscription or plan and free account registration; choose it when that account-and-transfer model is a better fit than group expense tracking.
PhonePe is a free Android and iOS option, with a Standard Plan stating no hidden, setup or annual maintenance charges; consider it when those terms suit your needs better.
Remitly is a paid Android and iOS service with a free bank-deposit example for a US-to-France transfer and a 2.99 USD cash-pickup example; it is the more relevant comparison when the task is sending money across borders.
Venmo is a free Android, iOS and web option whose business profile has no monthly or setup fees but does charge transaction fees; consider it when that payment model is a better match.
Lydia is a free Android and iOS option for online money pots, with free creation and participation and withdrawal fees dependent on contribution source.
MobilePay is a free Android and iOS option whose Get paid service charges 0.99% of transaction value, with no monthly subscription price.
For broader browsing, see Peer-to-Peer Payment Apps and Personal Finance Software.
Verdict
Choose Settle Up if your group needs flexible expense splits, offline entry and a practical way to reduce settlement transfers across different platforms. Its strongest reason to buy is the combination of detailed group accounting and settlement guidance; its main reason to look elsewhere is that receipt and recurring-expense conveniences, plus Premium access for a whole group, add separate cost.
Verdict
Settle Up covers flexible expense splits, offline entry, and group sharing across four listed platforms. Compare the paid Premium and Group Premium terms with the features your group needs.
Where Specifiction places it
- Peer-to-Peer Payment Apps#1 of 249.0
- Personal Finance Software#31 of 1818.6
