We split the bills, not the bonds.

The smartest way to
split
expenses

Track shared expenses, split bills effortlessly, and settle up instantly. Join 50,000+ users who never worry about money between friends again.

Start Free ForeverWatch Demo

✨ No credit card required • ⚡ Setup in 30 seconds

Khabib
Robert Johnson
Tony Stark
Emily Davis
SRK
Dora
Trusted by 50,000+ users worldwide
4.9/5 from 2,000+ reviews
50,000+
Active Users
€2.3M+
Split Successfully
99.9%
Uptime
24/7
Support
Perfect For Every Occasion

Built for real life

Whether you're traveling
, living together
, or just hanging out
, SettleUP makes money simple.
✈️

Travel with Friends

Split hotel, food, and activity costs during group trips

✨
💖
🏠

Roommate Expenses

Manage rent, utilities, and household purchases effortlessly

✨
💖
🍽️

Dinner Parties

Split restaurant bills and party expenses with ease

✨
💖
👥

Team Events

Handle office lunches and team building activities

✨
💖
Join thousands who split smarter
Core Features

Everything you need in one place

From basic splitting to advanced analytics, we've got every scenario covered.

Group Expenses

Create groups for roommates, trips, or events to keep expenses organized.

Smart Settlements

Our algorithm minimises the number of payments when settling up.

Expense Analytics

Track spending patterns and discover insights about your shared costs.

How It Works

Get started in 3 simple steps

From setup to settlement, everything is designed to be intuitive and fast.

1

Create or Join a Group

Start a group for your roommates, trip, or event and invite friends.

2

Add Expenses

Record who paid and how the bill should be split amongst members.

3

Settle Up

View who owes what and log payments when debts are cleared.

Integrations

Works with your
favorite apps

Seamlessly connect with the payment methods you already use.

Customer Love

Loved by

Thousands

 worldwide

See what our amazing community has to say about their SettleUP experience.

“This app saved our friend group! No more awkward money talks after dinners or trips. Splitting bills is now effortless.”
P

Priya Sharma

Marketing Manager

“We planned a Europe trip with 8 friends, and it handled every expense beautifully. Settling up at the end was a breeze.”
S

Sophia Rodriguez

Travel Blogger

“As a startup founder, I use this with my small team for office lunches and shared costs. It keeps things transparent.”
D

David Kim

Startup Founder

FAQ

Got questions?

Everything you need to know about SettleUP. Can’t find the answer? Contact our support →

How does SettleUP's smart settlement algorithm work?
Our algorithm automatically calculates the most efficient way to settle debts within your group, minimizing the number of transactions needed. Instead of everyone paying everyone back individually, we determine the optimal payment flow so fewer people need to make transfers.
Can I split expenses in different ways besides equally?
Absolutely! SettleUP supports multiple split types including equal splits, percentage-based splits, and exact amount splits. Whether someone ordered more food, used a bigger room, or contributed differently to shared expenses, you can customize the split to match the real situation.
How do payment reminders work?
SettleUP sends automated, friendly reminders to group members who have outstanding balances. You can customize reminder frequency and tone, and the system provides insights on spending patterns to help everyone stay on top of shared expenses without awkward conversations
Can I use SettleUP for different types of groups and events?
Yes! SettleUP works perfectly for travel with friends, roommate expenses, dinner parties, team events, and any group spending scenario. You can create separate groups for different occasions and manage multiple expense categories simultaneously.
Do I see updates in real-time when expenses are added?
Yes, SettleUP provides real-time updates across all devices. The moment someone in your group adds an expense or makes a payment, everyone sees the changes instantly. This keeps everyone informed and prevents duplicate entries or confusion.
Is there a limit to how many people can be in a group or how much money we can split?
No limits! SettleUP handles groups of any size and has successfully processed over €2.3M in split expenses. Whether it's a small dinner with 3 friends or a large team event with 50+ people, our platform scales to meet your needs with 99.9% uptime reliability.