Software Alternatives, Accelerators & Startups

Settle Up VS SplittyX

Compare Settle Up VS SplittyX and see what are their differences

Settle Up logo Settle Up

SETTLE UP is an indispensable app for friends and flatmates who need to keep track of shared bills...

SplittyX logo SplittyX

Track shared expenses, see who owes whom, and settle up with one tap.
  • Settle Up Landing page
    Landing page //
    2022-11-05
  • SplittyX Home Screen
    Home Screen //
    2026-09-01
  • SplittyX Group Screen
    Group Screen //
    2026-09-01
  • SplittyX Edit Expense screen
    Edit Expense screen //
    2026-09-01

SplittyX splits shared expenses with friends, flatmates, couples and travel companions — built around the awkward cases, not the easy ones: the deposit two people paid together, the friend who refuses toinstall anything, the trip where half the expenses were in another currency.

What it does - Several payers on one expense, each with their own amount - Equal, exact-amount and percentage splits, plus a default split per group - 51 currencies, converted at the rate for the DATE of the expense rather than today's, so nobody quietly carries the group's currency risk. Each person reads the same debt in their own currency - Guests: add someone by name and they get a fair share without installing the app or having an email address - Debt simplification and settle-up - Personal spaces for expenses that are only yours: no members, no splitting, just your totals and categories - Custom categories you create yourself, up to ten per group - Group budgets, charts, comments with @mentions, activity history, a 30-day bin, payment reminders - Offline entry — expenses added without a connection are queued and sent when you are back online - Six languages (English, Greek, Italian, Spanish, French, German), picked per person

Pricing The free plan is not a trial: unlimited expenses with no daily cap, every split type, all 51 currencies, debt simplification, custom categories, offline use, CSV export and one personal space, forever. It carries a banner ad plus a full-screen ad from your third expense of the day, and you can own up to 5 active groups — membership of other people's groups is unlimited.

Supporter (€0.99/month) drops the full-screen ads and adds PDF reports, receipt photos, unlimited groups, three personal spaces and 10 AI receipt scans a month. VIP (€2.49/month) is fully ad-free and adds itemised receipt splitting, recurring and future-dated expenses, unlimited scans and unlimited personal spaces.

Settle Up

Pricing URL
-
$ Details
-
Platforms
-
Release Date
-

SplittyX

$ Details
freemium €0.99 / Monthly (Supporter — no full-screen ads, PDF reports)
Platforms
Android iOS
Release Date
2026 July
Startup details
Country
Greece
Founder(s)
Georgios Doukas

Settle Up features and specs

  • 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 of Settle Up

  • 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.

SplittyX features and specs

  • Currency handling
    51 currencies, each expense converted at the rate for its own date; every person sees totals in their own currency
  • Multiple payers
    One expense can have several payers, each with their own amount
  • Split types
    Equal, exact amounts, percentages, and a default split saved per group
  • Guests
    Add someone by name — they get a share calculated without an account or an email address
  • Debt simplification
    Works out the smallest set of payments that clears the group, and records them
  • Itemised receipt splitting
    Assign each line of a receipt to whoever it belongs to, tax and tip included (VIP)
  • Personal spaces
    Track your own expenses with no members and no splitting — 1 free, 3 on Supporter, unlimited on VIP
  • AI receipt scanning
    Reads amount, date, description and category off a photo or PDF — 10/month on Supporter, unlimited on VIP
  • Custom categories
    Create your own categories from the expense form, up to 10 per group, free
  • Offline use
    Expenses entered without a connection are queued and sync when you're back online
  • Exports
    PDF group reports on Supporter and VIP
  • Languages
    English, Greek, Italian, Spanish, French and German, chosen per person — emails and notifications follow

Settle Up videos

Settle Up - hisab rakhna hua aasan

More videos:

  • Review - Settle Up - iOS and Android app for organizing group expenses
  • Review - Settle UP - mobile APP for shared expenses

SplittyX videos

No SplittyX videos yet. You could help us improve this page by suggesting one.

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Category Popularity

0-100% (relative to Settle Up and SplittyX)
Personal Finance
94 94%
6% 6
Travel
0 0%
100% 100
Expense Tracking
100 100%
0% 0
Bill-Splitting Apps
100 100%
0% 0

Questions & Answers

As answered by people managing Settle Up and SplittyX.

What makes your product unique?

SplittyX's answer:

Friend groups on trips, flatmates, and couples — people splitting real, everyday amounts rather than running a business. The design assumes the group is mixed: some members are meticulous, some will never open the app, and at least one person paid for something in a currency the others don't think in.

Why should a person choose your product over its competitors?

SplittyX's answer:

Three reasons, and they are narrow on purpose.

You can add as many expenses as you want on the free plan. On a five-day trip that is the difference between recording things as they happen and writing them on a napkin.

Currency is handled per expense date and per person's own currency, on every plan rather than a paid tier.

And guests: the one friend who won't install anything still gets a fair share calculated, by name, with no account and no email address.

What we don't claim: the free plan shows a banner ad plus a full-screen one from your third expense of the day, and there is no import from other splitters. If neither of those is acceptable, another app is the better choice — that is a real trade-off, not a footnote.

How would you describe the primary audience of your product?

SplittyX's answer:

Friend groups on trips, flatmates, and couples — people splitting real, everyday amounts rather than running a business. The design assumes the group is mixed: some members are meticulous, some will never open the app, and at least one person paid for something in a currency the others don't think in.

It is European-first in practice. The interface, emails and notifications are in English, Greek, Italian, Spanish, French and German, and each person in a group picks their own, so a mixed-nationality group doesn't have to settle on one language.

What's the story behind your product?

SplittyX's answer:

I was a Splitwise user. On a trip with friends I hit the point where I couldn't keep adding expenses as the day went on, and paying to remove that limit felt steep for what I was getting back. So I built the thing I wanted for me and my friends, starting with the parts that had annoyed me: no cap on how much you record, currency converted at the rate for the day of the expense, and the friends who refuse to install an app still included in the maths.

It turned out better than a personal tool has any right to be, so I put it on both stores. It is a one-person project, still, and that is why the free plan is generous and the paid tiers are €0.99 and €2.49 rather than anything grander.

Which are the primary technologies used for building your product?

SplittyX's answer:

React Native with Expo (expo-router, Zustand, TanStack Query) for the Android and iOS apps, and a Node/Express API on MySQL behind it. Subscriptions run through RevenueCat against the App Store and Google Play, push goes out via Expo and Firebase Cloud Messaging, email through Amazon SES, and errors are tracked in Sentry. Receipt scanning uses Google's Gemini vision models.

Who are some of the biggest customers of your product?

SplittyX's answer:

None — and it would be strange if there were. SplittyX is a consumer app: the "customer" is a group of friends on a trip, a flat sharing bills, or a couple keeping track between them. There are no corporate accounts and no logos to show, and we don't publish who uses it.

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Settle Up and SplittyX

Settle Up Reviews

12 Best Bill Splitting Apps in 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 simple to quickly transfer money between people. It is the best app for splitting bills that allows you to pay directly through PayPal or settle the bill via cash...
6 Best Bill Splitting Apps for Hassle-Free Expense Sharing
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 participant’s share. This eliminates the need for manual calculations and minimizes confusion, saving time and avoiding potential conflicts.
Best Bill-Splitting Apps
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 pay. The share function allows you to send expenses via a link. Expenses are backed up and synced for all people in the group so each person can see them.

SplittyX Reviews

We have no reviews of SplittyX yet.
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Social recommendations and mentions

Based on our record, Settle Up seems to be more popular. It has been mentiond 1 time since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Settle Up mentions (1)

SplittyX mentions (0)

We have not tracked any mentions of SplittyX yet. Tracking of SplittyX recommendations started around Sep 2026.

What are some alternatives?

When comparing Settle Up and SplittyX, you can also consider the following products

Splitwise - Splitwise is a free tool for friends and roommates to track bills and other shared expenses, so that everyone gets paid back. On the web, iPhone, and Android!

Tricount - Manage and share expenses with friends

Splid - Splid helps friends manage their money.

Spliit - Free and Open Source Alternative to Splitwise. Share expenses with your friends and family.

ihatemoney - Manage your shared expenses, easily

Splitser - Splitser is the app for tracking, calculating and settling group expenses. ✓ Payment App ✓ Group Expenses ✓ Spend app