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