Settle Up alternatives in 2027, compared

How do Settle Up and its alternatives compare at a glance?

EvenOut shows no ads on any plan and charges only for receipt scanning and the assistant, while Settle Up shows ads in the free version and sells two kinds of Premium. As of October 2026:

App	Ads	What costs money
EvenOut	None on any plan	Pro, $9.99 a month or $79.99 a year: receipt scanning and the assistant. Everything else is free
Settle Up	Free version contains ads, Premium removes them	Individual Premium (a subscription) and Group Premium (one time, per group)
Tricount	Website says none, one store listing carries a “Contains ads” label	Core app free, Premium discontinued
Splitwise	Pro lists an ad-free experience	Pro, price varies by country and date. Free plan allows 4 expenses a day
Splid	Its deletion page says it does not use your data for advertising	In-app purchases, which is how Excel export is sold

What does Settle Up charge, and where?

Settle Up sells two kinds of Premium, and its website and store listing disagree on the price, so every figure here names its channel. Individual is “For you in every group” (“Cancel anytime”, button “Start subscription”). Group is “For every member in one group” and “Transferable if the group is closed” (button “One-time purchase”).

On every row that both channels list, the store listing costs more than the website. Prices are in dollars as of October 2026, as shown to a US English browser and in the US store listing.

Premium plan	Website	Store listing
Individual, monthly	$3.49	$3.99
Individual, yearly	$18.99	$19.99
Group, 1 week	$5.49	$5.99
Group, 2 weeks	not listed	$9.99
Group, 1 month	$13.99	$14.99
Group, 2 months	$27.99	$29.99
Group, 1 year	$34.99	$39.99
Group, lifetime	$134.99	$149.99

Group Premium is not a subscription. Settle Up’s tips page says “You can purchase it as a one-time payment, it’s not a subscription.”

Say five friends want Premium for one trip. A 1 month Group Premium is $13.99 on the website, so four pay $2.80 and one pays $2.79. A full year is $34.99, which is $7.00 for four people and $6.99 for one. If all five bought yearly Individual Premium instead, the total would be 5 times $18.99, or $94.95, and each plan would cover every group that person is in, not only the trip. In EvenOut the same five friends pay nothing for ad removal, receipt photos, categories, repeats, reminders or charts, because all of them are on the free plan.

What does the free version show?

Settle Up’s free version contains ads. Its store listings label it “Contains ads” and “Contains Advertising”, and the first line of the Premium list is “Remove all ads”. Its free list also names offline use with backup and sync, invites by link or QR code, and read only access for people who only need to look.

EvenOut has no ads on any plan, because it has no ad SDKs. It also works offline, takes invites by link, and has a read only Viewer role. The next section sets out what else on the Premium list is free there.

Which of Settle Up Premium’s ten items are free in EvenOut?

Six of the nine rows on Settle Up’s Premium list are free in EvenOut, all of them on the free plan. Settle Up lists recurring and future transactions as separate items on its website and pairs them as “Recurring & future expenses” in its store listing, and EvenOut’s repeats are the closest match, so they share a row.

Feature	EvenOut	Settle Up
Remove all ads	Free: no ads on any plan	Premium item
Add receipt photos	Free: one photo on an expense, shown as “Receipt photo”	Premium item
Expense categories	Free: 33 built-in categories, plus custom ones	Premium item
Recurring and future transactions	Free: “Repeat” weekly, monthly or yearly	Premium item
Remind friends to pay	Free: “Remind {name}” by shared message or email	Premium item
Charts	Free: spending charts for a group or a friend	Premium item

The other three items on the list are extra group colors, bulk editing of exchange rates and Excel export. EvenOut has no data export and does not convert currencies. Each group gets a default cover for its type, and any member who is not a viewer can upload their own.

A few details on the free side:

• Repeats. EvenOut adds each later expense as a normal expense around 9:00 in your time zone, with the same payer and split. You can pause, resume or stop a repeat under “Repeating expenses”, and a group or friend can hold up to 50 open repeats. There is no daily or custom interval and no end date, and setting one up needs a connection.
• Reminders. “Remind {name}” offers “Share a message” or “Email via EvenOut”, at most one per person per group or friend each day. A guest has no inbox, so a guest gets a shared message. Settle Up’s Premium page lists “Remind friends to pay”, and its store listing also says it reminds group members automatically.
• Photos and categories. A photo comes from “Take photo” or “Library”, one per expense. EvenOut guesses the category on the phone from the description, and “Add custom category” takes up to 48 of your own.
• Charts. Each group and friend has a “By category” donut and an “Over time” chart, with chips for everyone, you or one person. Settle Up’s Premium page lists “Charts”, while its second store listing also names member statistics and transaction filtering among non-Premium items.

How do the other apps fit?

• Tricount. Its website says “No ads or daily expense cap”, one of its store listings carries a “Contains ads” label, and Premium was discontinued. Tricount alternatives goes through its 50 person cap and card sign-up, and Splitwise vs Tricount vs Settle Up compares them directly.
• Splitwise. The free plan allows up to 4 expenses a day, and EvenOut’s free plan has no daily expense limit. Pro is sold as Individual or Duo with a Trip Pass, or monthly. Splitwise vs Settle Up sets them side by side.
• Splid. Its site calls the app free, and the US store listing shows two purchases, $3.99 and $2.99, with no billing period. Is Splid free has the rest.
• KittySplit. A free Kitty takes up to 9 people. Super Kitty costs €2.99 once per group and needs no account, which is the nearest thing here to Group Premium’s one-time model.

How do you choose?

• Ads are the problem. EvenOut has none on any plan, while Settle Up’s free version has them and its Premium removes them. Expense splitting apps without ads compares the rest.
• You want receipt photos, repeats, reminders and charts without paying. All of them are free in EvenOut, for every group. For the Settle Up side of the cost, see is Settle Up free. For the Splitwise side, Splitwise Pro alternatives maps its Pro list the same way.
• You want Premium for one trip. Group Premium covers every member of that group for the length you pick, and Individual Premium covers one person everywhere. In EvenOut the trip group already has those items free, so there is nothing to buy per group.
• You need an export file or exchange rates. Settle Up has CSV export, Excel export as a Premium item, and exchange rates. EvenOut has no data export and does not convert currencies.