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I Hate Money vs Settle Up: catalog facts
I Hate Money	Settle Up
Free Free and open source, with a free hosted instance.	Free The homepage lists no prices; check the app stores for any paid features.
Web, Self-hosted	Android, iOS, Web
Can be self-hosted Simple project-and-code model for groups	Every group member sees the same expense list Minimises the number of payments needed to settle up
Focused only on shared expenses, not full budgeting Minimal interface	Pricing and feature limits are not stated on the homepage Focused on shared costs rather than personal budgeting
Web application, Self-hosted	Downloadable app, Web application
Open source	Closed source
License not stated	License not stated
Not stated if an account is needed	Not stated if an account is needed
Needs internet	Not stated if it works offline
Official website Full listing and sources Checked September 24, 2026	Official website Full listing and sources Checked September 24, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.