Cash App Taxes vs Settle Up

Cash App Taxes is a self-service service for preparing and filing U.S. federal and state income tax returns. It supports returns involving W-2s, 1099s, investments, self-employment, and side-gig income; state filing is included. The filing workflow provides step-by-step instructions and works on a phone or computer through the web, iOS, or Android. Federal and state filing costs nothing, including when claiming deductions or credits or reporting stock or bitcoin sales. A Cash App account is required to log in. The maker says the service is an authorized IRS e-file provider and describes encryption, taxpayer-information safeguards, and vulnerability assessments. Phone number verification is required, and authenticator-app two-factor authentication is supported. The service does not provide tax or legal advice, tax planning, or audit assistance, and users are responsible for their returns. It offers e-filing for federal returns and most states that permit it; some returns may need to be mailed.

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.