The Finance Base / Peer-to-peer payment apps / Settle Up
settleup.io
Settle Up
Settle Up tracks shared expenses and IOUs so groups can see who should pay next while limiting the number of payments needed to settle debts. It is aimed at travelers, flatmates, couples, event organizers and groups of friends. Members can split expenses into unequal shares, record multiple people…
Visit settleup.io ↗ What it costs
- 8.8 No. 1on Peer-to-peer payment apps
- Free planprice, as published
- Oct 14, 2026read on
What Settle Up costs
- Premium Not published
- Free Free
- Group Premium for 1 month $14.99 / month
- Lifetime Group Premium $149.99 / once
- Yearly Premium $19.99 / year
- Group Premium for 2 months $29.99 / once
- Monthly Premium $3.99 / month
- Group Premium for 1 year $39.99 / year
- Group Premium $39.99 / once
- Group Premium for 1 week $5.99 / once
As apps.apple.com publishes them, read Sep 20, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Yes
- Runs on
- iPhone Android Web Windows · Mac
- Facts on record
- 50
Strengths and limits
Strengths
- Works offline and syncs when connected.
- Supports unequal shares and multiple payers.
- Groups can be shared by link or QR code.
- Free plan includes filters, statistics and CSV export.
- Supports all currencies with real-time exchange rates.
Limits
- Premium costs $3.99 a month.
- Yearly Premium costs $19.99 a year.
- Group Premium for one week costs $5.99 USD.
Facts we read
- Android intentsAndroid integrations can open prefilled add-expense, bill, transfer or income screens through intents. · api.settleup.io, Oct 14, 2026
- API and backendThe public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as the backend. · api.settleup.io, Oct 3, 2026
- API authenticationMost API requests require Firebase Authentication; live API keys are issued after developer registration and review. · api.settleup.io, Oct 14, 2026
- API capabilitiesThe public API is intended to expose everything the mobile apps can do through Firebase SDKs or Firebase REST calls. · api.settleup.io, Oct 14, 2026
- API documentation limitThe operations documentation says it is probably incomplete and invites developers to request extensions by email. · api.settleup.io, Oct 14, 2026
- API entitiesDocumentation covers groups, members, permissions, transactions, recurring transactions, changes, categories, debts and users. · api.settleup.io, Oct 14, 2026
- API integrationsPublished examples include Stripe, Integromat, Up bank, Catchers club, Mercury, YANB PWA and a Settle Up CLI. · api.settleup.io, Oct 14, 2026
- Company size and foundingLinkedIn lists Step Up Labs as a Prague company founded in 2011 with 2–10 employees. · linkedin.com, Oct 14, 2026
- CurrenciesExchange rates are downloaded daily from Yahoo, can be edited, and are applied to transactions in different currencies. · settleup.io, Oct 14, 2026
- Currencies and sharingIt supports all currencies with real-time exchange rates and lets users share groups by link or QR code. · play.google.com, Oct 3, 2026
- Data exportThe Android app has built-in CSV export for individual groups, and users can contact the company for more extensive exports. · settleup.io, Oct 3, 2026
- Data locationThe privacy policy says data are stored in Google Cloud Platform services Firebase and Google App Engine in the United States. · settleup.io, Oct 3, 2026
- Data sharingThe policy says group members can see a user's name, email, profile pictures and entered transaction and other group data. · settleup.io, Oct 3, 2026
- Debt settlementIt shows who pays next and minimizes the number of transactions between group members. · settleup.io, Oct 3, 2026
On these lists
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Verdict
Settle Up covers common group expense needs, including uneven splits, multiple payers and offline tracking. The free plan includes useful sharing and export tools, while receipt photos and other Premium features require a paid plan.
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