Account summary · Budgeting and personal finance appsRef. 127/181

Settle Up

FromFree

Free planYes

Rank#127/181

Runs onAndroid, iOS, Web, Windows Score6.7

Settle Up is ranked #127 of 181 in budgeting and personal finance apps on The Finance Base, made by Settle Up (Casper, Wyoming, United States). It runs on Android, iOS, Web, Windows. There is a free plan.

Settle Up plans and pricing

All plans

Premium Not published Ad-free use · Receipt photos · Recurring expenses · Custom categories · Statistics · Excel export apps.apple.com · 20 Sept 2026

Group Premium Not published Premium features enabled for everyone in one group apps.apple.com · 20 Sept 2026

Lifetime Group Premium Not published Premium features enabled for everyone in one group apps.apple.com · 20 Sept 2026

Free Free Core expense tracking; CSV export; group sharing; ads play.google.com · 3 Oct 2026

Monthly Premium $3.99/mo Monthly Premium Ad-free; receipt photos; recurring and future expenses; custom categories; Excel export; statistics apps.apple.com · 3 Oct 2026

Group Premium for 1 week $5.99 once Group Premium for 1 week Premium features for a group apps.apple.com · 3 Oct 2026

Compared on budgeting and personal finance apps

Free plan: Yes
Split payments: Yes
Instant transfer: Yes

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The record

Purpose: Settle Up tracks group expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends.
Debt settlement: It shows who pays next and minimizes the number of transactions between group members.
Expense splits: The app supports unequal weighted shares, multiple people paying for one expense, incomes and itemized bills.
Offline use: The app works offline and syncs when internet access returns.
Currencies and sharing: It supports all currencies with real-time exchange rates and lets users share groups by link or QR code.
Free features: The listed free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets and shortcuts.
Premium features: Premium includes ad-free use, receipt photos, expense categories, recurring transactions, Excel export and group colour choices.
API and backend: The public API documentation says mobile app capabilities are accessible through the API and identifies Firebase Realtime Database as the backend.
Lightning payments: Users can settle debts directly to a group member's Lightning address, with no Settle Up fee beyond network fees.
Data location: The privacy policy says data are stored in Google Cloud Platform services Firebase and Google App Engine in the United States.
Security and privacy: The privacy policy says data are provided only over HTTPS and that the company complies with privacy regulations such as GDPR.
Data sharing: The policy says group members can see a user's name, email, profile pictures and entered transaction and other group data.
Data export: The Android app has built-in CSV export for individual groups, and users can contact the company for more extensive exports.
Support: The support page lists separate contact emails for Android, iOS, web and Windows app feedback and says they will reply.

Where it ranks on The Finance Base

Best Budgeting and Personal Finance Apps in 2026#127 of 181
Best Peer-To-Peer Payment Apps in 2026#1 of 24

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Sources

settleup.io· checked 3 Oct 2026
play.google.com/store/apps/details· checked 3 Oct 2026
api.settleup.io· checked 3 Oct 2026
settleup.io/lightning· checked 3 Oct 2026
settleup.io/privacy_policy· checked 3 Oct 2026
settleup.io/support· checked 3 Oct 2026
apps.apple.com/us/app/settle-up-group-expenses/id73753· checked 20 Sept 2026
apps.apple.com/us/app/settle-up-group-expenses/id73753· checked 3 Oct 2026