Overview

Instead of leaving a group to work out who should reimburse whom, Settle Up shows who pays next and reduces the number of transactions needed to settle debts. It can accommodate unequal weighted shares, expenses funded by multiple people, income and itemized bills. That makes it a better fit for groups with uneven contributions than for people who only need a basic payment app.

Groups can be shared by link or QR code. The app supports all currencies with real-time exchange rates and works offline, syncing when a connection returns. It can also send a debt directly to a group member’s Lightning address, with no Settle Up fee beyond network fees.

Key features

The flexible split options are the core strength: they let a group record who actually owes what rather than forcing every bill into equal shares. Transaction filters and statistics help members review activity. Free users also get read-only access, backup and synchronization, widgets and shortcuts, and CSV export by email. Android users can export a group’s data as CSV in the app.

Premium adds ad-free use, receipt photos, recurring transactions, custom categories, Excel export and group colour choices. These are useful for groups that want richer records or automate repeat expenses, but the free tier already covers core tracking and CSV export. Users can contact the company for more extensive exports.

The public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as the backend. The privacy policy says data are stored in Firebase and Google App Engine services in the United States, sent only over HTTPS, and handled in compliance with privacy regulations such as GDPR. Group members can see a user’s name, email, profile pictures and entered transaction and other group data, so the app is best used with people who should have access to those details.

Pricing

The Free plan costs 0.00 USD per free and includes core expense tracking, CSV export and group sharing, with ads. It is the sensible starting point for occasional groups that can do without receipt photos, recurring expenses and Excel export.

Monthly Premium costs 3.99 USD per month; Yearly Premium costs 19.99 USD per year. Both remove ads and add receipt photos, recurring and future expenses, custom categories, Excel export and statistics. The annual option costs less than twelve monthly payments at the stated rates, while monthly billing avoids a year-long commitment.

For a group that wants Premium features for everyone, Group Premium costs 5.99 USD per once for one week, 9.99 USD per once for two weeks, 14.99 USD per month for one month, 29.99 USD per once for two months, or 39.99 USD per year for one year. Short passes suit a trip or event; the annual term is aimed at groups sharing expenses throughout the year. Premium and Lifetime Group Premium are also named as plans, but have custom pricing.

Platforms

Settle Up is available on Android, iOS, web and Windows. Support lists separate feedback email addresses for each of these app versions and says it will reply.

Who it's for

Choose Settle Up when a group needs flexible shares, a clear path to settle balances, or offline expense entry—especially for trips and shared households. It is less compelling for someone seeking only a way to transfer money: its main purpose is tracking group expenses and IOUs, and ad-free use and several record-keeping extras require Premium.

Pros and cons

Pros: Weighted shares, multiple payers, incomes and itemized bills handle more complicated group spending than equal splits alone.
Pros: Offline use, all-currency support and real-time exchange rates suit groups that may be spending across locations or without steady connectivity.
Pros: Free users get core tracking, group sharing and CSV export; Lightning payments add a direct settlement route without a Settle Up fee beyond network fees.
Cons: Ads remain on the free plan, while receipt photos, recurring expenses and Excel export require Premium.
Cons: Group members can see personal profile details as well as group records, so sharing is not suited to expenses users want to keep private from the group.
Cons: Data are stored in United States cloud services, which may not suit users who want data stored elsewhere.

Alternatives

For a different way to manage transfers or payments, compare Wise, PhonePe, Remitly, Vipps, BHIM or Lydia. For another shared-expense option, consider Splitwise. Readers looking more broadly can browse Peer-to-Peer Payment Apps or Personal Finance Software.

Verdict

Settle Up is a strong choice for groups that need accurate, flexible expense accounting and a simpler route from shared bills to settled balances. Start with the free plan if CSV export and core tracking are enough; choose Premium for receipts, recurring costs or Excel export. Look elsewhere if you need only a payment service or are uncomfortable sharing group records and profile details with other members.

	Settle Up	Talvo
Free plan	Yes	Yes
Free trial	No	No
Paid from	—	€6/mo
Open source	No	No
Platforms	Android, iOS, Web, Windows	Web, iOS, Android
Free plan	Yes	Yes
Budgeting tools	—	Yes
Net-worth tracking	—	Yes
Account sync	—	both
Report export	—	Yes
Mobile apps	—	both

Settle Up vs Talvo

Settle Up

Talvo