Settle Up App for Group Expense Tracking and Bill Splitting Online
Settle Up is a cross-platform app that helps groups track shared expenses, split bills fairly, and settle debts efficiently with multi-currency and offline support.
- Best for
- Group Trip Expense Management
- Key capability
- Multi-Currency Support
Save Settle Up, follow its updates and vote on it — everything stays in your account.
Sign in or create a free accountWhat is Settle Up?
Settle Up is a group expense tracking and bill splitting app designed to simplify managing shared costs among friends, family, or colleagues. It helps users record expenses, calculate who owes what, and settle debts easily, reducing confusion and disputes in group financial interactions.
Key features of Settle Up
Settle Up offers multi-currency support, offline mode, detailed expense tracking, debt simplification algorithms, and easy settlement options. It supports multiple platforms including mobile and web, making it accessible anytime and anywhere.
Multi-Currency Support
Handle expenses in different currencies with automatic conversion.
Offline Mode
Add and view expenses without internet connection; sync later.
Debt Simplification
Optimizes repayments by minimizing the number of transactions.
Detailed Reports
Generate clear summaries and reports of expenses and balances.
Cross-Platform Access
Available on iOS, Android, and web for seamless use.
Pros and cons of Settle Up
Pros
- Easy to use interface for all age groups
- Supports multiple currencies and offline use
- Simplifies complex group debt calculations
- Cross-platform availability
- Affordable premium plan
Cons
- Limited integrations with other financial apps
- Free version includes ads and group limits
Key use cases for Settle Up
Group Trip Expense Management
Track and split expenses among friends or family during travel to avoid confusion and ensure fair payments.
Roommate Bill Splitting
Manage shared household bills and expenses transparently among roommates.
Event Cost Sharing
Organize and divide costs for group events like parties, dinners, or outings.
Debt Tracking and Settling
Keep track of who owes whom and simplify settling debts within groups.
Business Expense Sharing
Manage shared expenses in small teams or partnerships efficiently.
How Settle Up works
- 1
Create a Group
Start by creating a group for your event, trip, or household with all participants.
- 2
Add Expenses
Record expenses as they occur, specifying who paid and who participated.
- 3
Automatic Calculations
The app calculates each person’s share and who owes whom.
- 4
Settle Debts
Use the app’s settlement options to clear debts efficiently.
Who is using Settle Up
Settle Up pricing
Free
$0/month
Basic features with ads and limited groups.
Premium
About $3.49 to $3.99/month or $18.99 to $19.99/year
Ad-free experience, unlimited groups, and advanced features.
Plans and prices are as published by the vendor and can change. Check the official site before you buy. Open the pricing page (opens in a new tab)
Frequently asked questions about Settle Up
Yes, Settle Up supports offline mode allowing you to add expenses without internet and sync later.
Yes, it supports multi-currency expenses with automatic conversion.
Settle Up offers a free plan with basic features and a premium subscription for advanced options.
Yes, it can be used to manage shared expenses in small teams or partnerships.
It depends on your specific needs and how you plan to use the tool. The official website and documentation are the best sources for the latest details.
Yes, it can help with that use case depending on how you configure it and what features are available. You’ll get the best results with clear inputs and a defined goal.
It depends on your specific needs and how you plan to use the tool. The official website and documentation are the best sources for the latest details.
Conclusion
Expenses are recorded inside a group created for a trip, event or household, noting who paid and who took part. The app then calculates each person’s share and who owes whom, and debt simplification optimizes repayments by minimizing the number of transactions. Costs in different currencies are converted automatically, and entries can be added without an internet connection and synced later.
It is designed for travel groups, roommates and event organizers who share costs, and it runs on iOS, Android and the web. The free version includes ads and group limits, while Premium costs about $3.49 to $3.99 per month or $18.99 to $19.99 per year.
Sources
Sign in to review this tool.
Sign In to ReviewNo reviews yet
Be the first to share how this tool worked for you.
Ask about pricing, limits, or how it compares — or answer someone else.
Sign In to AskNo questions yet
Have a question about using or paying for this tool? Be the first to ask.
Featured on TiorAI
Alternative Tools
Explore similar AI tools that might fit your needs
Splitwise
Splitwise is an app that helps groups split bills and track debts easily by managing shared expenses and simplifying repayments.
Venmo
Venmo is a U.S.-based mobile payment app that enables users to send and receive money instantly with friends, split bills, and pay merchants, featuring a social feed to share payment activities.
More Business Management tools
Other tools in the same category, for when this one is not quite the fit.
TwinMind
TwinMind is an AI second brain that transcribes and summarizes your day, organizes it into memory and powers any AI with the context of your life.
Wren AI Cloud
Wren AI is one governed data agent for people and AI agents: ask your data in plain language with the GenBI agent, or call it from Claude, ChatGPT or your own agents over MCP.
BioBrain Insights MROps Platform
BioBrain Insights unifies all of market research operations in one platform powered by AI and automation, from automated survey programming to boardroom reports.
Justmatch
Justmatch is an AI-driven platform that provides personalized job matching, resume optimization, and career insights to help job seekers find relevant opportunities and grow professionally.
Storytide.io – Corporate Influencing
Storytide is a LinkedIn content workflow platform with strategy, writing with AI support, structured processes and analytics for ghostwriters, communications teams and corporate influencer programs.
TIL bot for Slack
TIL bot for Slack is an AI assistant that gets insights from conversations, summarizes threads, finds action items, sets one time and recurring reminders and gets answers with AI.
VenueLog
VenueLog is restaurant management software that connects POS, rostering and accounting systems for automated reporting, real-time insights and AI-powered tools.
Fiorino.AI
Fiorino.AI is an open-source tool that helps SaaS owners track per-user LLM usage and costs, set pricing tiers and automate usage-based billing.