Alternatives
Settle Up alternatives
Settle Up is a group expense tracker for trips, households and events. Members add expenses from their phones or the web, the app tracks balances across currencies, and it suggests the fewest transfers needed to settle the whole group.
Why people look
Why people look for a Settle Up alternative
The reasons that come up most. Whether they apply to you depends mostly on whether your shared costs come with a receipt.
The group's balance is only as good as whoever remembered to log each expense.
Receipts from connected restaurants and stores arrive on their own. A shared bill is in the app whether or not someone remembered.
An itemized dinner bill gets typed in as one total and split evenly.
The receipt keeps its items. Each person taps what they had and pays for that, with tax and tip to match.
Even after the math is done, someone still has to confirm every payment.
A transfer that lands in a connected account is matched to what was owed and clears the balance.
The shortlist
6 alternatives to Settle Up
The apps people try instead of Settle Up, each with what it's for. The order isn't a ranking, and the criteria are explained below.
- 01
Splitwise
Splitwise keeps a tally of who owes whom after you type each expense in. Smartbills starts from the store's itemized receipt, so splitting is tapping what you had.
Best forGroups whose shared costs are mostly amounts with no receipt behind them, like rent, a cabin or gas money, and whose friends already use it.
Compare it with Smartbills - 02
Tricount
Tricount makes it painless to log a group trip's costs from a shared link. Smartbills starts from the itemized receipt and keeps it after the trip is over.
Best forA one-off trip where everyone logs what they paid and nobody wants to sign up for anything.
Compare it with Smartbills - 03
Splid
Splid is a quick, no-account way to split group costs. Smartbills starts from the itemized receipt, splits it by what each person had and keeps it afterwards.
Best forA group that wants the simplest possible shared tally, with no accounts and no connection needed.
Compare it with Smartbills - 04
Fetch
Fetch pays you points for scanning receipts. Smartbills keeps the itemized receipt as a record you can split, return against and use at tax time.
Best forShoppers who want something back for every receipt and are happy to scan them in exchange for points.
Compare it with Smartbills - 05
Ibotta
Ibotta pays cash back on offers you add before shopping. Smartbills keeps every itemized receipt for splitting, returns, warranties and tax time.
Best forShoppers who plan their grocery runs around offers and want money back for it.
Compare it with Smartbills - 06
Checkout 51
Checkout 51 pays cash back on weekly grocery and gas offers. Smartbills keeps each itemized receipt for splitting, returns, warranties and tax credits.
Best forShoppers who check weekly offers and don't mind photographing receipts to earn.
Compare it with Smartbills
Disclosure
And Smartbills, which is ours
Slipping our own product into a roundup without saying so is exactly what makes these pages worthless, so to be clear, this one is ours.
Smartbills
Best for: Friends and roommates who want restaurant and store bills split by item without anyone typing them in.
Smartbills vs Settle UpHow this list was put together
These are the apps that come up alongside Settle Up when people look for a way to split costs, keep receipts or track what they pay for. The order is editorial rather than a ranking, because we don't benchmark apps we don't run, and a scored table written by one app about its competitors isn't evidence. Each entry links to a full comparison with claims specific enough to check.
FAQ
Frequently asked questions
What people ask us before they sign up.
Get started
Comparing Settle Up with something else?
Split your next dinner from its receipt and see whether tapping what you had beats typing the bill in. It's free.