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