Splitwise vs Settle up: Which is Better?
Both Splitwise and Settle Up are apps designed to help users split bills, track expenses, and settle debts. However, they differ in features, platform availability, and overall usability.
1. Key Differences: Splitwise vs Settle Up
| Feature | Splitwise | Settle Up |
|---|---|---|
| Main Purpose | Expense tracking & bill splitting | Expense tracking & bill splitting |
| User Interface | Simple and user-friendly | Simple and modern |
| Offline Mode | No | Yes |
| Payment Integration | Yes (PayPal, Venmo in some regions) | Yes (Google Pay, Apple Pay) |
| Multi-Currency Support | No | Yes (great for international trips) |
| Cloud Syncing | Yes | Yes |
| Best For | Splitting expenses with friends & roommates | Group trips, international expenses |
2. Features Comparison
🔹 Expense Splitting & Tracking
- Both apps allow users to add, track, and split expenses.
- Settle Up works better offline, making it useful for travel.
- Splitwise offers better group organization features.
🏆 Winner: Tie (both are good, but Settle Up works offline).
🔹 Payments & Money Transfers
- Splitwise integrates with PayPal and Venmo in some regions.
- Settle Up supports Google Pay and Apple Pay, which are more widely available.
🏆 Winner: Settle Up (better payment options).
🔹 Multi-Currency Support
- Splitwise does not support multiple currencies.
- Settle Up allows users to split expenses in different currencies.
🏆 Winner: Settle Up (great for international travelers).
🔹 Offline Usability
- Splitwise requires an internet connection to function.
- Settle Up works offline, syncing data once online.
🏆 Winner: Settle Up (better for remote areas).
3. Which One Should You Choose?
| Choose Splitwise if… | Choose Settle Up if… |
|---|---|
| You need simple expense tracking with a group. | You need an app that works offline. |
| You use Venmo or PayPal for payments. | You use Google Pay or Apple Pay. |
| You don’t need multi-currency support. | You frequently travel internationally. |
4. Conclusion: Which is Better?
✔ For casual expense tracking → Splitwise is better.
✔ For travel and offline use → Settle Up is better.
Overall Winner? ✅ Depends on your needs:
- Use Splitwise for daily expense tracking with friends or roommates.
- Use Settle Up for international travel and better offline support.