Settle Up: Split the Bill

Dinners, trips, roommates, team lunches — whoever paid, however tangled the tab, Settle Up untangles it in seconds. Just add who paid what, and the app tells everyone exactly how much to send whom, with the fewest transfers possible.

No account. No sign-up. No internet required. Every record stays on your phone.

▸ WHO OWES WHOM, INSTANTLY
Add a group, add members, log each expense with the payer and who shared it. Settle Up computes per-person balances (who gets money back, who owes) and turns them into a clean settlement plan: "A → B, 12.00".

▸ FEWEST TRANSFERS, TO THE LAST CENT
The settlement engine minimizes the number of transfers so nobody has to send five tiny payments. It splits down to the smallest unit with no leftover rounding error — the totals always match.

▸ SPLIT IT YOUR WAY
• Equal — divided automatically
• Weighted — by ratio (e.g. 2:1:1)
• Exact — type each person's amount

▸ BUILT FOR REAL GROUPS
• Categories: food, cafe, transport, stay, shopping and more (add your own)
• Edit any expense: title, date, memo
• Search expenses, filter by category, sort
• Mark transfers as paid
• Manage members, duplicate a group, archive finished ones
• Multiple currencies (₩ / $ / € / £ / ¥)

▸ STATS AT A GLANCE
See spending broken down by category and by member, plus averages and the per-person share.

▸ SHARE THE RESULT
Send the settlement as plain text, a clean image card, or a CSV (Excel) file. Everyone in the group chat sees exactly what to send.

▸ YOUR DATA IS YOURS
100% offline. Every group, member and expense lives only on your device (SQLite). Nothing is uploaded to any server. A single .settlebak file backs up and restores everything.

▸ FREE, AD-SUPPORTED
A small banner keeps the app free. Watching a short rewarded ad unlocks extras (stats screen, image/CSV export, color themes, custom categories) or hides the banner for 24 hours. Always optional, never forced.

Languages: English · 한국어 · 日本語 · 中文 · Español · Português · Français · Deutsch · Bahasa Indonesia · Tiếng Việt

Stop doing group math in your head or in the group chat. Add the expenses, hit settle, and get back to the trip.

Recent changes:
Settlement status fixed, and receipt photos are here.

- Fixed: the group list no longer counts transfers you already marked as sent
- Receipt photos — up to 5 per expense, from camera or gallery; included in backups
- Payment method — cash, card, mobile pay, bank transfer and more; also in CSV export
- 37 currencies — Indian rupee (₹) and more, now chosen from a list in Settings

Add the expenses, hit settle, and let the app do the math.