Comparison

Supasplit vs Settle Up — which one fits your group?

Settle Up is the straightforward, affordable alternative to Splitwise, strong on recurring expenses and clean UX. Supasplit is the modern iOS-native option with AI receipt scanning, voice expense entry, and no ads on any tier. Pick Settle Up if your group is mixed Android and iOS and you want the cheapest ad-free upgrade. Pick Supasplit if you're all on iPhone and want the fastest, most polished everyday experience.

Try Supasplit freeVisit Settle Up

At a glance

Supasplit

Supasplit

Modern iOS-native bill splitter with AI receipt scanning, voice entry, 20 themes, home screen widget, and no ads. Built for people who want splitting to feel like a nice app, not a 2012 spreadsheet.

iOS
Settle Up

Settle Up

Settle Up is a smaller, no-nonsense bill-splitting app out of Prague. Cross-platform (iOS, Android, web), with a free tier that shows ads and a cheap Premium plan that unlocks recurring expenses, charts, and exports. It has a loyal following among roommates and travel groups who find Splitwise too bloated.

iOSAndroidWeb

Feature-by-feature comparison

Every row scored against the same checklist. Where one product is partial or paywalled, we call it out.

AI receipt scanner

Supasplit

YesAI-powered, extracts line items, tax, and tip automatically. 1/month free, unlimited on Plus.

Settle Up

NoNo receipt scanner of any kind, OCR or AI.
Voice expense entry

Supasplit

YesDescribe an expense in natural language; the app parses amount, friends, and split method.

Settle Up

NoNo voice or natural-language expense entry.
Split methods (equal / shares / % / exact)

Supasplit

YesEqual, by shares, by percentage, or exact amounts.

Settle Up

YesEqual, unequal, by shares, by percentage, and exact amounts.
Multi-currency support

Supasplit

120+ currenciesEvery currency Supasplit supports works on free and Plus.

Settle Up

YesSupports major currencies and per-expense currency entry.
Real-time currency conversion

Supasplit

YesReal-time rates, no extra fee.

Settle Up

YesAutomatic conversion using daily rates, available on the free tier.
Groups

Supasplit

YesUp to 3 on Free, unlimited on Plus.

Settle Up

YesUnlimited groups on both free and Premium.
Friend balances

Supasplit

YesTrack balances per friend outside of groups too.

Settle Up

YesPer-person balances within groups; no separate 1:1 friend ledger like Splitwise.
Smart payment reminders

Supasplit

YesAutomatic friendly nudges with adjustable frequency; stops when settled.

Settle Up

BasicManual reminders via share sheet or email; no AI-driven nudges.
Recurring expenses

Supasplit

Coming soonOn the Plus roadmap.

Settle Up

Premium onlyOne of Settle Up's stronger features. Solid support for rent, subscriptions, and regular bills on the Premium tier.
Debt simplification

Supasplit

Yes

Settle Up

YesOptional debt simplification you can toggle per group.
Works offline

Supasplit

YesFull offline support with sync when reconnected.

Settle Up

YesWorks offline on mobile; syncs when reconnected.
Themes

Supasplit

20Plus only.

Settle Up

No
Custom app icons

Supasplit

6Plus only.

Settle Up

No
Home screen widgets

Supasplit

YesiOS home-screen widget; Plus only.

Settle Up

NoNo iOS or Android home-screen widget.
Ads on free tier

Supasplit

NoNo ads on any tier.

Settle Up

YesBanner ads on the free tier; removed on Premium.
Data export

Supasplit

Coming soon

Settle Up

Premium onlyCSV and PDF export behind the Premium paywall.
iOS app

Supasplit

YesNative iOS app (currently in TestFlight beta).

Settle Up

Yes
Android app

Supasplit

Coming soon

Settle Up

Yes
Web app

Supasplit

Coming soon

Settle Up

YesFull-featured web app at settleup.io.

Pricing, compared

What each tier actually unlocks. No hidden costs.

Supasplit

Supasplit

Free

$0/mo

  • Up to 3 groups
  • 1 AI receipt scan per month
  • 1 voice expense per month
  • All currencies (120+)
  • All split methods
  • Smart reminders
  • No ads, ever
  • · Max 3 groups
  • · AI features rate-limited per month

Plus

$3.99/mo

$49.99/year (annual) or $4.99/mo (monthly)

7-day free trial

  • Unlimited groups
  • Unlimited AI receipt scanning
  • Unlimited voice expenses
  • 20 handcrafted themes
  • 6 custom app icons
  • iOS home screen widget
  • Recurring expenses (coming soon)
Settle Up

Settle Up

Free

$0/mo

  • Unlimited groups and members
  • Multi-currency support
  • All split methods
  • iOS, Android, Web
  • Debt simplification
  • Basic expense history
  • · Ads shown in the app
  • · No recurring expenses
  • · No expense charts or analytics
  • · No data export
  • · No receipt photo storage

Premium

€1.99/mo

€19.99/year

  • Ad-free experience
  • Recurring expenses (rent, subscriptions, utilities)
  • Expense charts and trends
  • CSV and PDF export
  • Receipt photo storage
  • Payment integrations (PayPal, Venmo links, bank transfer)

Settle Up — what it's great at

  • +Straightforward, no-nonsense UX without the feature creep of Splitwise
  • +Strong recurring expenses support, ideal for rent, utilities, and subscriptions
  • +Premium is one of the cheapest ad-free upgrades in the category at around €1.99/mo
  • +Automatic currency conversion is free, not locked behind Premium
  • +Cross-platform on iOS, Android, and web
  • +Payment integration links (PayPal, Venmo, bank transfer) to actually close out debts

Settle Up — common frustrations

  • −Small user base compared to Splitwise, so your friends probably don't already have it
  • −No receipt scanning of any kind, OCR or AI
  • −No voice or natural-language expense entry
  • −UI is clean but feels a bit dated on iOS compared to modern apps
  • −Ads on the free tier, though less aggressive than Splitwise
  • −No themes, widgets, or personalization options

Who each is best for

Supasplit

Pick Supasplit if you…

  • ✓Have friends who all use iPhone
  • ✓Scan restaurant receipts often and want AI to pull out line items, tax, and tip automatically
  • ✓Want voice expense entry for quick adds on the go
  • ✓Hate ads, even the lighter banner kind, on apps you open daily
  • ✓Care about how apps look and feel (20 themes, 6 custom icons, iOS widget)
  • ✓Want 120+ currencies with real-time conversion and smart payment reminders built in
Settle Up

Pick Settle Up if you…

  • ✓Roommates splitting rent, utilities, and subscriptions on repeat
  • ✓Travel groups who want something simpler than Splitwise
  • ✓Mixed iOS and Android households that need cross-platform access
  • ✓People who want the cheapest ad-free tier in the category
  • ✓Users who value a straightforward, focused app over feature-heavy alternatives

Not ideal if

  • ·All-iPhone friend groups who want AI receipt scanning and a modern native feel
  • ·People who split restaurant bills often and want line-item automation
  • ·Users who want personalization (themes, widgets, custom icons)

Common reasons people switch from Settle Up to Supasplit

  • →Want AI receipt scanning that handles line items, tax, and tip automatically
  • →Prefer a modern iOS-native design with widgets and personalization
  • →Want voice expense entry for fast adds
  • →Want a free tier with zero ads, not just a cheaper ad-free upgrade
  • →Want smart payment reminders that nudge automatically and stop when settled
  • →Want 120+ currencies and real-time conversion on the free tier

How to switch from Settle Up to Supasplit

Supasplit doesn't offer automatic import from Settle Up, but the migration is painless for most groups. Settle open balances in Settle Up first, export your history to CSV on Premium if you want an archive, then start fresh groups in Supasplit. Many roommates run both for a week or two during the handoff while rent and utilities roll over.

Verdict

Settle Up is a genuinely good pick if you want the cheapest ad-free tier, strong recurring expenses, and cross-platform access. Supasplit is the better everyday experience for all-iPhone groups who want AI receipt scanning, voice input, smart reminders, and no ads at all. For iOS-only roommates and travel crews in 2026, Supasplit is the upgrade; for mixed-platform households leaning heavily on recurring bills, Settle Up still earns its keep.

Get Supasplit on TestFlight

Frequently asked questions

Is Supasplit a good Settle Up alternative?

If you're on iPhone and your friends are too, yes. Supasplit covers everything Settle Up does for groups, currencies, and split methods, plus AI receipt scanning, voice expense entry, smart reminders, and a completely ad-free experience on every tier. The main reason to stay on Settle Up is if your group is split across iOS and Android or you want the cheapest ad-free upgrade at €1.99/mo.

How does Supasplit's pricing compare to Settle Up Premium?

Settle Up Premium is around €1.99/mo or €19.99/year. Supasplit Plus is $3.99/mo or $49.99/year. Settle Up is cheaper on paper. The catch: Supasplit's free tier has no ads at all and includes 120+ currencies with real-time conversion, so many iPhone users don't need to upgrade at all.

Does Supasplit handle recurring expenses like Settle Up does?

Recurring expenses are on the Supasplit Plus roadmap and coming soon, not live yet. If your main use case is rent, utilities, and subscriptions on repeat, Settle Up's Premium tier handles this well today. Supasplit is the stronger choice if restaurant bills, trips, and ad-hoc splits are a bigger part of your life.

Does Supasplit work on Android or web?

Not yet. Supasplit is iOS-only right now (in TestFlight beta). Android and web apps are on the roadmap but not shipped. If your group includes Android or desktop users today, Settle Up is the better fit.

Which app is better for splitting restaurant bills?

Supasplit, by a wide margin. The AI receipt scanner reads every line item, tax, and tip automatically, so splitting by who ordered what takes about 10 seconds. Settle Up has no receipt scanning at all, so every line is manual entry.

Which app is better for roommates?

Settle Up has a real edge for roommates today because of its mature recurring expenses on Premium. Supasplit is catching up (recurring is on the Plus roadmap) and already wins on everyday adds with AI scanning, voice input, a home-screen widget for quick balance peeks, and zero ads. For all-iPhone households, Supasplit is the better everyday experience even while recurring is in progress.