Settle Up review

Settle Up is built for trips. Its free tier tracks expenses for travelers, flatmates and couples, supports all currencies with real-time exchange rates and calculates the fewest possible transfers to clear the group. A default share setting lets a couple or family count as 2 or more in every split, which suits mixed groups of singles and pairs. Friends who do not want the app can open a shared group link and see balances in a browser, and the app keeps working offline. Premium removes ads and adds receipt photos, recurring and future expenses, custom categories, Excel export and spending charts. On the US App Store Premium costs $3.99 a month or $19.99 a year. The more interesting option is Group Premium at $39.99: Settle Up says it is a one-time payment, not a subscription, that turns on Premium for everyone in one group, and you can log it as a group expense so the cost is shared. Switchers can import members and balances from a Splitwise export.

Who it is for

travel groups that want one paid upgrade for the whole trip

Price

Free plan; Premium $3.99 a month or $19.99 a year, Group Premium $39.99 on the US App Store.

Monthly Premium $3.99 Yearly Premium $19.99 Group Premium $39.99
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Algorithm calculates the fewest transfers to settle all debts
• All currencies with real-time exchange rates
• Share a group link so friends can view balances in a browser without the app
• Works offline and syncs later
• Default share lets a couple count as 2 in every split

Strengths and weaknesses

• Strength: Group Premium is a one-time purchase that covers everyone in a single group
• Strength: Group Premium can be added as a group expense to share its cost
• Strength: Imports members and balances from a Splitwise export
• Weakness: Ads, receipt photos and recurring expenses sit behind Premium
• Weakness: Excel export and statistics are Premium features
• Weakness: Exchange rates come from a Yahoo service and may need manual edits for a fixed trip rate

Key facts

• Premium: $3.99/month or $19.99/year (US App Store)
• Group Premium: $39.99 one-time
• Users: 2.5 million+ (vendor figure)
• Platforms: iPhone, Android, web

Where it ranks

Settle Up is No. 3 in our Best Expense Sharing Apps verdict.