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Settle Up vs Splitwise: catalog facts
Settle Up	Splitwise
Free The homepage lists no prices; check the app stores for any paid features.	Freemium Free to use, with a paid PRO tier for receipt scanning, charts and currency conversion.
Android, iOS, Web	Android, iOS, Web
Every group member sees the same expense list Minimises the number of payments needed to settle up	Equal, percentage or share-based splits Debt simplification across a group
Pricing and feature limits are not stated on the homepage Focused on shared costs rather than personal budgeting	Receipt scanning and currency conversion require PRO Requires an account and cloud sync
Downloadable app, Web application	Downloadable app, Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Not stated if an account is needed	Account needed
Not stated if it works offline	Works offline
Official website Full listing and sources Checked September 24, 2026	Official website Full listing and sources Checked September 23, 2026

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