Instead of Settle Up
Settle Up alternatives
Settle Up focuses on group money: it records expenses and IOUs, handles weighted shares, multiple payers, incomes and itemized bills, then shows who pays next while reducing transfers. Offline operation with later synchronization helps when connectivity is uneven. Support for all currencies, real-time exchange rates, and link or QR invitations suits trips, households, couples and events. The free plan covers core tracking, sharing, filters, statistics, backup, synchronization and CSV export; paid plans add receipt photos, recurring expenses, custom categories and Excel export.
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SoFi
by SoFiFree plan AndroidiPhoneMac+2Personal budgets and net-worth tracking — SoFi adds budgeting, bill tracking, net-worth tracking and account synchronization beyond Settle Up’s group expense focus.
Free plan · paid from $10/mo Visit site - 2
PocketSmith
by PocketSmithFree plan AndroidAPIiPhone+4Forecasting personal finances across many platforms — PocketSmith combines budgeting, bills, net worth, account synchronization and an API with broad platform support.
Free plan · paid from $9.99/mo (annual) Visit site - 3
GnuCash
by GnuCashFree plan Open source AndroidAPIiPhone+4Free desktop personal-finance management — GnuCash is free software for budgeting, bills, net worth, synchronized accounts and reports, rather than group IOUs.
Free plan Visit site - 4
EveryDollar
by EveryDollarFree plan WebiPhoneAndroidBudgeting with a low annual monthly rate — EveryDollar adds budgeting, bill tracking, net-worth views and account synchronization, while Settle Up prioritizes shared expenses.
Free plan · paid from $6.67/mo (annual) · 14-day trial Visit site - 5
Wallet by BudgetBakers
by Wallet by BudgetBakersFree plan AndroidiPhoneWebCross-device personal budgeting — Wallet adds budgeting, bills, net worth, synchronized accounts and report export across Android, iOS and web.
Free plan Visit site - 6
Sure
Free plan AndroidAPIiPhone+3Connected accounts and unusual asset tracking — Sure connects accounts from over 10,000 institutions and tracks custom assets and debts, beyond Settle Up’s group settlements.
Free plan Visit site - 7
MoneyPatrol
Free plan LinuxMacWindowsFree personal finance with desktop coverage — MoneyPatrol provides budgeting, bills, net worth, synchronized accounts and reports instead of Settle Up’s shared-expense workflow.
Free plan · paid from $3.99/mo · 15-day trial Visit site - 8
Cash App Taxes
Free plan AndroidAPIiPhone+1 - 9
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MobilePay
Free plan AndroidiPhone - 13
OPay
Free plan AndroidAPIiPhone - 14
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PalmPay
Free plan AndroidAPIiPhone+1 - 16
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Vipps
Free plan AndroidAPIiPhone - 22
- 23 6.8 Visit site
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tricount
Free plan AndroidiPhone - 25
- 26 5.8 Visit site
- 27 5.6 Visit site
- 28 5.5 Visit site
- 29 4.9 Visit site
- 30 4.9 Visit site
You may prefer an alternative when your finances extend beyond settling shared costs. Settle Up does not center on personal budgets, bill schedules, net-worth views or linked financial accounts. Its platforms are Android, iOS, web and Windows, so macOS or Linux users may need another option. Compare whether you need personal-finance oversight, account connections, asset tracking, report exports or self-hosting alongside group expenses. Also check pricing: Settle Up offers a free tier, monthly and yearly premium plans, and temporary group upgrades, while some alternatives are entirely free or start at different monthly rates.
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