Settle Up · Comparisons
SplitPro vs Settle Up: features and pricing compared
How SplitPro and Settle Up compare on what is free, split types, currencies, offline use and apps, and when each one is the better choice.
KM Koushik
· 3 min read
SplitPro is free with no daily limit on expenses. Receipt photos, categories, recurring expenses and a default split per group are included, with no paid tier. It is open source under the MIT license and works in any browser.
Settle Up has a free version and a paid Premium upgrade, which is where its receipt photos, categories, recurring transactions, Excel export and charts are. It runs on Android, iPhone and the web.
Last checked October 14, 2026, against Settle Up's own website and app store listings. SplitPro is our app.
Side by side
| SplitPro | Settle Up | |
|---|---|---|
| Price | Free | Free, with optional Premium |
| Split types | Equal, percentage, shares, exact, adjustments | Even, weights, items from a bill |
| Several payers on one expense | No | Yes |
| Fewest payments to settle a group | Only in quick split | Yes |
| Recurring expenses | Free | Premium |
| Receipt photos | Free | Premium |
| Expense categories | Free | Premium |
| Currencies | 100+, balances kept per currency | All, with real-time exchange rates |
| Add expenses offline | No | Yes |
| Export your data | CSV per friend, full JSON download | CSV; Excel is Premium |
| Charts | No | Premium |
| Where it runs | Any browser, can be added to your home screen | Android, iPhone and web |
| Open source, can run your own copy | Yes | No |
Where SplitPro is stronger
- Receipt photos, categories and recurring expenses are free.
- A default split per group, so new expenses start the way your group usually splits.
- One account for all your groups and one-to-one balances with friends.
- Imports your friends and groups, with balances, from a Splitwise backup.
- Open source under the MIT license, and you can host it yourself.
Where Settle Up is stronger
- Native Android and iPhone apps, with offline entry.
- Several payers on one expense, and items from a bill.
- Works out the fewest transfers to settle a group.
- Converts between currencies with real-time exchange rates.
Which should you pick?
Pick SplitPro if you want receipts, categories and recurring costs like rent without paying for an upgrade, or you prefer open source software.
Pick Settle Up if you need offline entry, several payers on one expense, currency conversion or charts.
Common questions
Is Settle Up free?
It has a free version. Premium adds receipt photos, categories, recurring transactions, Excel export and charts, as a subscription or a one-time purchase for one group.
Does SplitPro work offline?
No. SplitPro needs a connection to add expenses.
Which handles multiple currencies better?
Settle Up converts with real-time exchange rates. SplitPro supports more than 100 currencies and keeps each expense and balance in the currency it was paid in, without converting.
Can friends see balances without installing an app?
Yes, in both. Settle Up can share a group as a link. SplitPro runs in the browser, and quick split shares a link that needs no account.
Apps change their plans and features. If something here is out of date, please tell us and we will fix it.
More comparisons: SplitPro vs Splitwise and SplitPro vs Tricount.