Eider VS Settle Up

• Unlimited expenses
  No daily cap on how much you add.
• Unlimited members
  Split with as many people as you need, at no cost.
• Unlimited nests
  Run a trip, a household, and a one-off side by side.
• Full history
  Every expense stays available, with no archive limit.
• Ad-free
  Nothing is ever sold against your spending.
• Nests
  A shared space per trip, household, or group.
• Standing split
  Set your usual split once and every new expense uses it.
• Even, percentage, or exact splits
  Three ways to divide any expense.
• Per-expense override
  Change one expense's split without touching the rule.
• Running balance
  An always-current view of who owes whom.
• Simplified settlement
  Nets everything down to the fewest payments.
• Settle up anywhere
  Records payment through Venmo, Cash App, PayPal, Zelle, or Apple Cash. Eider never touches your money.
• Settlement periods
  Group expenses into periods you close when everyone squares up.
• Settled-period lock
  A closed period becomes immutable, so history cannot be quietly rewritten.
• Recurring Expenses
  Rent, utilities, and subscriptions, with variable amounts and an end date.
• Quick Add
  The title is optional and derives from the merchant or category.
• Merchant memory
  A merchant recalls the account it was last paid from.
• Category prediction
  Categories are inferred from the merchant as you type.
• Placeholder members
  Add someone who is not on Eider yet and split with them anyway.
• Solo nests
  Works identically with one member, always using a placeholder, with no pressure to invite anyone.
• Real-Time Sync
  Changes appear on everyone's device as they happen.
• Multi-Currency
  A base currency per nest, converted at each expense's own date.
• Expense notes
  Add context to any expense.
• Edit and delete with undo
  Soft delete with an undo toast, so nothing is lost by mistake.
• Activity history
  A per-expense record of what was created, edited, and settled.
• Nest switcher
  Move between nests without losing your place.
• Invitations
  Invite by email, or just add someone by name.
• Push notifications
  Told when something in your nest changes. With grouped opt-in/out.
• Data Export
  Request a copy of your data.
• Sign in with Apple and Google
  Plus email sign-in.
• Dark Mode
  Follows your system theme.
• iOS, Android, and web
  One account across all three.
• Receipt Scanning
  [Plus] Reads the merchant, date, and total straight off a photo.
• Line-item split
  [Plus] Split a single receipt item by item instead of evenly.
• Receipt library
  [Plus] A searchable archive of every receipt the nest has captured.
• Spending patterns
  [Plus] Where the money actually goes, over time.
• Period reports
  [Plus] A summary for each settlement period.
• Monthly digest
  [Plus] An emailed recap of the month.
• Bank Connection
  [Plus] Bring transactions in automatically and securely with Plaid, then add them to any nest to split.
• Nest-wide annual membership
  [Plus] An annual subscription shares receipt scanning and line-item splitting with everyone in all the nests you create.
• Early Access to Features
  [Plus] New features before they roll out broadly.

• User-Friendly Interface
  Settle Up features an intuitive and easy-to-navigate interface, making it simple for users of all technical abilities to manage expenses and track payments among friends, family, or colleagues.
• Multi-Platform Availability
  The app is available on multiple platforms, including iOS, Android, and web, allowing users to access and update their accounts from various devices seamlessly.
• Currency Support
  Settle Up supports multiple currencies, which is ideal for travelers or groups of friends and family in different countries needing to manage expenses accurately.
• Offline Functionality
  The app allows users to add and edit transactions offline, syncing changes once internet connectivity is restored, enabling expense management on-the-go without interruption.
• Group Expense Tracking
  Settle Up facilitates the tracking of shared expenses by allowing users to create groups, making it easier to split bills and settle debts among group members.

Possible disadvantages

• Limited Financial Tools
  The app mainly focuses on tracking expenses and lacks more comprehensive financial tools, such as budget planning or financial goal setting, which might be desired by users looking for more robust financial management features.
• Ads in Free Version
  The free version of Settle Up includes advertisements, which might be distracting or annoying for users, though there is an option to upgrade to a paid version to remove ads.
• Dependency on Group Members
  The effectiveness of Settle Up largely depends on the active participation of all group members involved in the expenses, which can be a drawback if not everyone is keeping their entries up to date.
• Privacy Concerns
  Sharing financial data, even among friends and family, raises privacy concerns for some users who might prefer not to have their spending habits monitored by others, regardless of the app's security measures.
• Data Sync Delays
  Users may occasionally experience delays in data syncing across devices, leading to temporary discrepancies in expense tracking, though this is generally resolved once syncing is completed.

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• 12 Best Bill Splitting Apps in 2023
  www.mobileappdaily.com · Oct 2023

  Settle Up is a great option for anyone who wants an easy way to split bills. With features like peer-to-peer payments, automated payment reminders, and detailed accounts of transactions, the Settle Up app makes it...

• 6 Best Bill Splitting Apps for Hassle-Free Expense Sharing
  www.how2shout.com · Jul 2023

  Settle Up excels in its calculation capabilities, providing accurate and fair splits of expenses. The app considers various factors, such as who paid for what and any existing imbalances, to determine each...

• Best Bill-Splitting Apps
  www.thebalancemoney.com · Mar 2023

  Settle Up can handle a variety of payment scenarios: When one person pays or multiple people have paid, it can split payments evenly based on the amounts or allow you to select individual amounts for each person to...

Tracking Eider since Aug 2026.

• International banking app for going on holiday.

  Can't you have her send you her money on your bank account, keep track of that on an app like Settle Up, load your combined budget on a WeSwap card and go from there? Source: almost 5 years ago