SplitSimpleHome › Compare › SplitSimple vs Settle Up
SplitSimple vs Settle Up
SplitSimple is fully free with no ads and includes item splits, group chat and UPI links. Settle Up is free with ads, works offline, supports every currency, and runs on iPhone, Android and the web, with Premium adding receipts and Excel export.
Updated November 2026
The short version
Pick Settle Up if you want an app that works offline, supports every currency with real-time rates, lets several people pay for one expense, and runs on iPhone, Android and the web today.
Pick SplitSimple if you want everything free with no ads, item-by-item splits, a group chat, and UPI payment links for rupee groups.
Feature comparison
| SplitSimple | Settle Up (free) | Settle Up Premium | |
|---|---|---|---|
| Price | Free | Free | Subscription or per-group purchase |
| Ads | None | Yes | None |
| Settle with the fewest transfers | Yes | Yes | Yes |
| Even split | Yes | Yes | Yes |
| Exact amounts per person | Yes | Not listed | Not listed |
| Split by percentage | Yes | Unequal weights | Unequal weights |
| Split item by item | Yes | Not listed | Not listed |
| Several payers on one expense | No | Yes | Yes |
| Currencies | 8, converted to the group currency | All, with real-time rates | All, with real-time rates |
| Recurring expenses | Yes | No | Yes |
| Receipt photos | No | No | Yes |
| Statistics and charts | Insights page | No | Yes |
| Export | CSV and printable balance sheet | CSV | CSV and Excel |
| Group chat and expense comments | Yes | Not listed | Not listed |
| Works offline | Not listed | Yes | Yes |
| UPI payment links | Yes, rupee groups | Not listed | Not listed |
| Platforms | Web, Android; iPhone coming soon | iPhone, Android, web | iPhone, Android, web |
Settle Up details are from settleup.io and Settle Up's US App Store listing, checked November 2026. "Not listed" means we could not find it in those sources.
Where Settle Up is stronger
Every platform today. Settle Up lists an Android app, an iPhone app and a web app. SplitSimple's iPhone App Store app is still coming soon.
Offline and currencies. Settle Up's App Store listing says it "works offline and syncs when you're back" and "supports all currencies with real-time exchange rates." SplitSimple supports eight currencies, which covers most trips but not all.
Flexible payers. Settle Up handles "an even split, unequal weights, or multiple people paying for one item." In SplitSimple, each expense has one payer; you would add two expenses instead.
A mature Premium tier. If you want receipt photos, custom categories and Excel export, Settle Up Premium offers them.
Where SplitSimple is stronger
No ads, nothing to unlock. Settle Up's free version contains ads, and Premium removes them. SplitSimple has no ads and no paid features: recurring expenses, insights and exports are all included.
Item splits. SplitSimple lets you list the items on a bill, tick who had what, and share tax and tip. It is the fairest way to split a restaurant or grocery bill where people did not share everything.
Chat and comments. Each SplitSimple group has a chat and each expense has a comment thread, with report and block options.
Rupee groups. SplitSimple can open GPay, PhonePe, Paytm or any UPI app with the amount filled in, and the app is available in Hindi and seven other Indian languages. See SplitSimple in India.
Pricing
SplitSimple is free. Settle Up is free with ads. On the US App Store, Settle Up lists Monthly Premium at $3.99 and Yearly Premium at $19.99, plus Group Premium options that cover a single group for a set time or for life. Prices can differ in your country, so check your app store.
Both apps settle debts the same way
Both apps aim to clear the group with the smallest number of payments. Settle Up says its algorithm "calculates the fewest possible transfers to settle all debts." SplitSimple simplifies debts the same way, so if four friends owe each other back and forth, you might end up with two payments instead of six. Neither app moves money: you pay each other however you like and record it.
Which should you choose?
For a long trip through several countries with spotty signal, Settle Up's offline mode and full currency list are hard to beat. For flatmates, office lunch groups or friends in India, SplitSimple's free recurring expenses, chat, item splits and UPI links cover more of what those groups do every week, without ads.
Switching from Settle Up
Settle Up can export your group as a CSV. You can bring balances into SplitSimple by adding one "Opening balance" expense per person who owes money, with an Exact split. SplitSimple's CSV import is built for Splitwise, Tricount and Splid files and also reads CSVs with clear column headers, so check the preview carefully if you try a Settle Up file.
Frequently asked questions
Is Settle Up free?
Settle Up is free to use, and the free version shows ads. Settle Up Premium removes ads and adds receipt photos, recurring expenses, custom categories, Excel export and statistics.
Does SplitSimple have ads?
No. SplitSimple has no ads, and every feature is free.
Which app supports more currencies?
Settle Up says it supports all currencies with real-time exchange rates. SplitSimple supports eight: INR, USD, EUR, GBP, JPY, AUD, CAD and SGD.
Can more than one person pay for an expense?
Settle Up supports multiple payers on one expense. In SplitSimple each expense has one payer, so add a separate expense for each person who paid.
Do both apps minimise the number of payments?
Yes. Both work out the fewest transfers needed to settle everyone in the group.
Track it with your group
SplitSimple is free: add expenses, see who owes whom, and settle up with the fewest payments.
Start a group, freeRelated
Sources (checked Nov 2026)
- Settle Up home page
- Settle Up on the App Store (US)
- SplitSimple features: checked against the SplitSimple app itself, November 2026.
Competitor apps change their plans and prices. If you spot something out of date, tell us through the support page and we will fix it.