SettleUp: Split & Settle

Split fair. Settle easy. SettleUp is a free group expense tracker — track who owes whom on trips, with flatmates, at weddings and events, and settle up with transparent maths.

No ads. No daily expense limits. No hidden fees. Tired of expense apps that cap how much you can log or lock basic features behind a paywall? SettleUp is built for you.

SPLIT ANY BILL, ANY WAY
- Equal split — dinners, cabs, movie tickets
- Exact amounts — assign a precise amount per person
- Percentage — perfect for rent and utilities
- Shares (2:1:1) — when someone had more or less
- Multiple payers on a single expense

MATHS YOU CAN TRUST
Every calculation is exact to the smallest unit — no rounding errors, no guesswork. Group totals always balance to zero. What's owed always equals what's due.

SMART SETTLE UP — FEWER PAYMENTS
One tap nets everyone's balances and finds the minimum number of transfers to clear all debts. A tangle of IOUs becomes 2–3 clean payments. Pay however you like, record the settlement, done.

PERFECT FOR EVERY GROUP
- Trips — hotels, cabs, fuel and food for the whole crew
- Flatmates & roommates — rent, groceries, WiFi, bills, month after month
- Weddings — vendors, gifts and shared costs for the big day
- Events & parties — group buys and celebrations, split in seconds
- One-to-one — split with a single friend, no group needed

TRACK EVERYTHING IN ONE PLACE
- See who owes whom across all groups, instantly
- Custom categories with spending breakdowns (Fuel, Rent, Gifts & more)
- Group budgets with live "spent vs left" bars and per-category caps
- Activity feed — every expense, settlement and invite in one timeline
- Push notifications so nobody misses an update
- Notes, comments and full edit history on every expense

EASY INVITES, FULL CONTROL
Invite friends by email. Existing users get an in-app request; new users get a join link. Nobody is added to a group without accepting.

PRIVATE & SECURE
- Secure login with email/password or phone OTP
- Encrypted passwords, token-based authentication
- We never sell your data and never show ads
- Delete your account anytime

WHY GROUPS SWITCH TO SETTLEUP
✓ Unlimited expenses — log your whole trip, no daily caps
✓ 100% free — every feature, for everyone
✓ Zero ads — clean, fast, distraction-free
✓ Accurate maths — every split adds up perfectly
✓ Stop chasing people in group chats over who owes what

Whether it's a trip expense calculator, a roommate bill split app, or a wedding budget tracker — SettleUp keeps the maths honest and the friendships intact.

Download SettleUp and settle up in minutes. Free forever.

Questions? mail@truelytech.com
Privacy: https://settleup.truelytech.com/privacy