Updated November 2026

SplitterUp vs Settle Up

Settle Up's free tier runs ads and gates receipt photos behind Premium. SplitterUp shows no ads and includes AI scanning. Create your account while it's free for a limited time and keep Premium permanently.

Short answer

Pick SplitterUp if ads are a dealbreaker or you want AI item-level receipt scanning without paying for it: SplitterUp's free tier shows no ads at all, while Settle Up's free tier is ad-supported. SplitterUp also includes multi-currency groups and settlement optimization. Create your account while it's free for a limited time and you keep Premium permanently, so you never pay. Join after pricing starts and Premium is a one-time $4.99 purchase, never a subscription.

Stay with Settle Up if you want to split the cost of Premium across your whole group, or need an Apple Vision app. Its tips page describes Group Premium as a one-time payment that enables Premium for everyone in a group and can be added as a group expense, and its App Store listing covers iPhone, iPad, Apple-silicon Mac and Apple Vision.

SplitterUp vs Settle Up, side by side

Criteria SplitterUp Settle Up
Price Free for a limited time. Accounts created now keep Premium permanently. Free, ad-supported · Premium $3.99/mo or $19.99/yr (US App Store)
Daily expense limit None None published
Ads None Ads in free tier (developer: after every third expense)
Receipt scanning AI-powered, item-level, included Receipt photos (Premium)
Multi-currency Included Included, real-time exchange rates
Settlement optimization Minimum payments to settle a group Fewest possible transfers, per its App Store listing
Offline support Works offline, syncs on reconnect Offline mode, syncs when back online
Split with people who don't have the app Yes — SplitterUp Live: guests claim items by scanning a QR code, no account or app needed Group link lets friends view balances in a browser without the app (App Store listing)
Recurring expenses Daily, weekly, every two weeks, monthly, or yearly — included Premium
Data export Excel/CSV export CSV export free; Excel export Premium
Platforms iOS, macOS, Android, full web app iPhone, iPad, Apple-silicon Mac, Apple Vision (App Store listing); Android; web app at settleup.app
Account required Yes, or split as a guest with no account via Quick Splits Not stated in its listings

Pricing & Value

The Smart Choice

SplitterUp

FREE / for a limited time

Create your account while SplitterUp is free and you keep Premium permanently. You never pay. Join after pricing starts and Premium is a one-time $4.99 purchase, never a subscription.

  • AI Receipt Scanning
  • Unlimited Expenses
  • Native Widgets & Tablets
  • No Ads. Ever.
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Settle Up Free

$0 / ad-supported
  • ✗ Ads in the free tier
  • ✗ Receipt photos need Premium

Settle Up Premium

$19.99 / year (or $3.99/mo), US App Store
  • Recurring transactions, receipt photos, Excel export
  • Group Premium: one-time purchase for the whole group

Where SplitterUp is ahead

  • No ads, on any tier. Settle Up's free tier is ad-supported, and its developer says in a Google Play reply that it shows ads after every third expense. SplitterUp shows no ads at all.
  • Receipt scanning is included, not a Premium gate. Settle Up puts receipt photos behind Premium, and its listings don't describe reading a receipt's text or line items. SplitterUp's AI scanning, including item-level extraction, is free on every tier.
  • Recurring expenses included, not a Premium unlock. Set an expense to repeat daily, weekly, every two weeks, monthly, or yearly, and a Recurring Expenses manager lets you pause, resume, or end the series — free, on every tier. Settle Up gates the same feature behind Premium.
  • No subscription, ever. Accounts created while SplitterUp is free keep Premium permanently. Join after pricing starts and Premium is a one-time $4.99 purchase. Settle Up's App Store listing sells individual Premium as Monthly ($3.99) or Yearly ($19.99), and it also sells a one-time Group Premium.
  • SplitterUp Live for guests. Anyone at the table claims their own items by scanning a QR code, no account or app download required. Settle Up's group link lets friends view balances in a browser, but its listings don't describe guests claiming items from a receipt.

Where Settle Up wins

  • Group Premium. Settle Up's tips page describes buying Premium once for everyone in a group and adding the cost as a group expense.
  • An Apple Vision app. Settle Up's App Store listing covers Apple Vision in addition to iPhone, iPad and Apple-silicon Mac.
  • SplitterUp is newer and has a much smaller install base than Settle Up, whose App Store listing cites over 2.5 million users.

Who should pick which

  • Roommates with recurring monthly bills: SplitterUp, since recurring expenses repeat automatically and are included free — Settle Up requires Premium for the same feature.
  • A one-week trip where the whole group wants Premium: Settle Up. Group Premium is a one-time purchase you can split as an expense across everyone.
  • Anyone who wants to avoid ads without paying: SplitterUp. Its free tier has no ads at all; Settle Up's does.
  • Restaurant bills split by what each person ordered: SplitterUp, since item-level AI scanning is included free rather than gated behind Premium.
  • An Apple Vision user who wants a native app there: Settle Up. SplitterUp doesn't currently offer a visionOS app.
  • You want to avoid a recurring subscription entirely: SplitterUp. Accounts created while it's free keep Premium permanently, and later Premium is a one-time $4.99 purchase; Settle Up's individual Premium is sold as Monthly or Yearly on the App Store.

Switching from Settle Up

SplitterUp doesn't import Settle Up data. The straightforward path is to settle your Settle Up group to zero first, so every balance is cleared, then start a fresh SplitterUp group for expenses going forward.

Frequently Asked Questions

Is SplitterUp better than Settle Up?

For groups that don't want ads or a subscription, yes: SplitterUp's free tier has no ads and no daily cap, its AI receipt scanning is included rather than gated behind Premium, and recurring expenses are included free too. Settle Up still wins for a trip that wants to split one Group Premium purchase across everyone, or needs an Apple Vision app.

Does Settle Up have ads in the free version?

Yes. Settle Up's free tier is ad-supported, and its developer says in a Google Play reply that it shows ads after every third expense. SplitterUp shows no ads on any tier.

Does SplitterUp support recurring expenses like Settle Up?

Yes. SplitterUp lets you set an expense to repeat daily, weekly, every two weeks, monthly, or yearly, with a Recurring Expenses manager to pause, resume, or end a series — included free, on every tier. Settle Up gates the same feature behind Premium.

Can I import my Settle Up data into SplitterUp?

SplitterUp doesn't import Settle Up data. The straightforward path is to settle your Settle Up group to zero, then start a fresh SplitterUp group going forward.

How we compared these apps

Settle Up's facts here come from its App Store and Google Play listings, its tips page (settleup.io/tips) and its developer's Google Play replies, as read in November 2026; Settle Up has no separate help center we could check. SplitterUp's facts come from our own published feature list. Where a source doesn't mention a feature, this page says it isn't mentioned rather than saying the app lacks it. For the full field, see our roundup of the best expense splitting apps, and for a neutral look at Settle Up alongside two other competitors (not SplitterUp), see Splitwise vs Tricount vs Settle Up.

See also: the full comparison hub, SplitterUp vs Splitwise, and SplitterUp vs Tricount.

Split expenses the smart way.

Native apps for iOS, macOS, and Android — or jump in at web.splitterup.app, no install required.

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