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Spliit vs Settle Up: catalog facts
Spliit	Settle Up
Free Free to use, with the hosted servers funded by sponsors.	Free The homepage lists no prices; check the app stores for any paid features.
iOS, Web, Self-hosted	Android, iOS, Web
No account and no ads Flexible splits by percentage, shares or amount	Every group member sees the same expense list Minimises the number of payments needed to settle up
Recurring expenses and AI scanning are still in beta Focused on shared expenses, not full budgeting	Pricing and feature limits are not stated on the homepage Focused on shared costs rather than personal budgeting
Downloadable app, Web application, Self-hosted	Downloadable app, Web application
Open source	Closed source
License not stated	License not stated
No account needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 24, 2026

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