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Settle Up VS Utterly App

Compare Settle Up VS Utterly App and see what are their differences

Settle Up

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

Rating
0 reviews
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Alternatives Is it good?
Utterly App

100% on-device AI transcription app. 26 languages, fully offline, completely private. No cloud, no compromise. Start Free on iPhone, iPad, and Mac, lifetime plan, Family sharing, unlimited transcription

Rating
0 reviews
Pricing
Freemium Free trial $49.99 / One-off (Unlimited Offline Transcription and Dictation)
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Alternatives Is it good?
Tokino
Work toward more AI recommendations for your home-service business. Start with a free scan; Core checks your progress every week. sponsored
Note: These products don't have any matching categories. If you think this is a mistake, please edit the details of one of the products and suggest appropriate categories.

Which is more popular?

Based on our record, Settle Up seems to be more popular. It has been mentioned 1 time since March 2021.

social mentions
1 vs 0
Personal Finance popularity
100% vs 0%
alternatives listed
163 vs 58

Base details

Website, pricing, platforms and company facts side by side.

Settle Up
Utterly App
Website settleup.io utterlyapp.com
Pricing —
Freemium Free trial $49.99 / One-off (Unlimited Offline Transcription and Dictation) Official pricing
Company — Startup from the United States · 2026
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Business Intelligence +1
Offline Dictation Transcription Video Transcription Audio Transcription Live Captions Mac Dictation Productivity Voice To Text Speech To Text AI Localization AI Transcription +9

About Settle Up and Utterly App

In their own words, as submitted to SaaSHub.

Settle Up
Utterly App

No description of Settle Up yet.

Utterly brings fast, private speech-to-text to iPhone, iPad, and Mac. It runs fully on device with no accounts or cloud, supporting 26 languages for meetings, lectures, interviews, and notes. Use live transcription and captions, dictate polished text, or transcribe audio or video files and system...

Read more about Utterly App

Features and specs

What each product offers, as listed by its team.

Settle Up 5 features
Utterly App 13 features
  • 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.
  • Live Captions
    Real-time speech-to-text displayed as a live, scrolling transcript on your device
  • System Audio Transcription (Pro)
    Transcribe any audio playing on your Mac — meetings, podcasts, videos, calls.
  • Dual Audio Mode (Pro)
    Capture microphone and system audio simultaneously in side-by-side columns.
  • Unlimited File Transcription (Pro)
    Transcribe unlimited audio and video files. Free users get 3.
  • Dictation
    Speak to type into any app. Text is refined offline and inserted at the cursor.
  • Fn Key Gestures
    Hold Fn to dictate (push-to-talk) or double-tap to toggle hands-free mode.
  • File Transcription
    Transcribe audio and video files locally with word-level timing and progress
  • Drag & Drop
    Export transcripts as plain text, SRT subtitles, or WebVTT captions
  • Transcript Search
    Search within file transcripts with highlighted results and segment filtering.
  • 26 Languages
    26 languages with automatic on-the-fly detection and switching.
  • 100% On-Device
    All processing runs locally on the Neural Engine. No data ever leaves your device.
  • Share Extension
    Share audio files from other apps (WhatsApp, Telegram, Files) to transcribe.
  • Keep Onscreen
    Pin the Live Captions window above all other windows during meetings.

Analysis

An editorial look at what each product does well and who it suits.

Settle Up
Utterly App

No analysis of Settle Up yet.

Overall verdict

  • Utterly App appears to be a lesser-known productivity/note-taking tool with limited public information, reviews, or track record available, making it difficult to fully vouch for its quality or long-term reliability compared to more established alternatives.

Why this product is good

  • May offer a simple, focused feature set for specific note-taking or organizational needs
  • Could provide a lightweight alternative to bloated productivity apps
  • Potentially useful if it fills a specific niche not covered by mainstream tools

Recommended for

  • Users specifically seeking niche or minimalist tools who have already vetted the app firsthand
  • Early adopters comfortable trying lesser-known apps with limited reviews
  • Those who prioritize trying new or indie software over established, well-reviewed alternatives

Videos

Walkthroughs and reviews on video.

Settle Up 3 videos + Add
Utterly App 0 videos + Add

Settle Up - hisab rakhna hua aasan

More videos

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

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

Category popularity

How often each product is chosen within a category, 0–100% relative to the other.

Score bands 0–20 21–40 41–50 51–60 61–100
Settle Up
Utterly App
100% 100%
Personal Finance
0% 0%
0% 0%
Transcription
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
Offline Dictation
100% 100%

Questions & Answers

As answered by people managing Settle Up and Utterly App.

What makes your product unique?

Utterly App's answer:

Utterly is one of very few transcription apps that runs entirely on-device with zero cloud dependency. Every word is processed locally on Apple's Neural Engine — no audio ever leaves your device, no account required, no internet needed.

It delivers real-time live captions, voice dictation, and file transcription in a single app, supporting 26 languages with automatic switching. Most competitors sacrifice either privacy, speed, or accuracy. Utterly doesn't compromise on any of the three.

Why should a person choose your product over its competitors?

Utterly App's answer:

  • Privacy — Unlike Otter.ai, Rev, or cloud-based Whisper tools, your audio never touches a server. Critical for confidential meetings, medical conversations, or anyone who values privacy.
  • Speed — Real-time streaming transcription, not batched processing. Words appear as they're spoken.
  • Versatility — Live captions for meetings, dictation that inserts text at your cursor in any app, and file transcription with word-level timestamps and subtitle export — all in one lightweight app.
  • No lock-in — Works fully offline, no account needed, and free users get meaningful functionality without a paywall blocking basic use.

How would you describe the primary audience of your product?

Utterly App's answer:

  • Deaf and hard-of-hearing users who rely on live captions for meetings, calls, and daily conversations
  • Remote workers who want searchable records of video calls without trusting a third party with their audio
  • Journalists, researchers, and students who transcribe interviews and lectures
  • Multilingual professionals who switch between languages throughout their day
  • Privacy-conscious users in healthcare, law, and finance where audio data simply cannot leave the device

What's the story behind your product?

Utterly App's answer:

Utterly started with a real person's need. The founder and his wife run an online language school, and one of their students was partially deaf — she relied on lip reading and asked if they could provide "subtitles" for the lessons.

Looking for a solution, nothing available met all three requirements: private, fast, and accurate. Most tools managed two out of three.

Knowing the field had advanced significantly with on-device neural models, the founder decided to build something that satisfied all three — and Utterly was born. That student says it changed her life, and she now uses live captions daily for remote work too.

That's the bar the app is built to meet: technology that meaningfully changes how people communicate.

Which are the primary technologies used for building your product?

Utterly App's answer:

  • Swift & SwiftUI — Native Apple experience across macOS and iOS
  • CoreML on Neural Engine — optimised AI model running locally for real-time inference
  • Zero cloud dependencies — No networking stack, no cloud APIs, no telemetry SDKs

User comments

Share your experience with using Settle Up and Utterly App. For example, how are they different and which one is better?

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Reviews and articles

External articles and on-site reviews we used to compare the two products.

Settle Up no reviews yet
Utterly App no reviews yet

We have no reviews of Utterly App yet. Be the first one to post

Social recommendations and mentions

Recommendations tracked on public social media and blogs since March 2021.

Settle Up 1 mention
Utterly App 0 mentions

Tracking Utterly App since May 2026.

Alternatives to Settle Up and Utterly App

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