iOS & Android · Free · No ads

Split fair.
Settle easy.

The beautiful way to track group expenses — trips, flatmates, weddings and events. See exactly who owes whom, split any way you like, and settle up in rupees with transparent maths.

Split trips, flatmates & events fairly — in rupees, zero ads.

Split fairlyEqual, exact, % or shares
₹ INR-firstPaise-perfect maths, no rounding surprises
Zero adsClean experience, secure by design
Smart splits
₹ Exact
No ads
Secure by design No ads, ever INR-first
Settled up!
Auto-split
SettleUp app — everything in one place
0
ways to split
0
transparent maths
0
hidden fees
0
to get started

The app

Experience SettleUp
screen by screen

Swipe through real app screens — not mockups. Every pixel is from the app you'll download.

Lightning fast Material Design 3 INR-native Zero ads
Settled!
Auto-split
₹ exact
SettleUp profile overview Create a group in seconds Everything in one place Invite your friends instantly Loved by users
1 / 5

Flexible splitting

Four ways to split any bill

From equal dinners to complex trip budgets — pick the split that matches real life.

Equal

Everyone pays the same share. Perfect for dinners, cabs and shared tickets.

₹1,200 ÷ 4 = ₹300 each

Exact amounts

Assign precise rupee amounts per person when shares aren't equal.

You ₹500 · Priya ₹300 · Rahul ₹400

Percentage

Split by percentage — great for rent, utilities or custom agreements.

60% / 40% → ₹720 / ₹480

Shares

Use share ratios (2:1:1) when someone had more or less of the expense.

2:1:1 → ₹600 · ₹300 · ₹300

Features

Everything you need to split bills

Built for real groups — holidays, roommates, dinners and everything in between.

Core

Groups, invites & balances — all connected

Create a group, invite friends by email, add expenses, and see exactly who owes whom. Existing users get in-app notifications; new users get a join link. Every balance updates instantly for the whole group.

Splits

Smart splits

Equal, exact, shares or percentage. Pick who paid and who was in — the maths is handled for you.

Categories

Custom categories

Fuel, Rent, Gifts — add your own per-group categories with colourful icons and spending breakdowns.

Smart Settle Up

Settle in the fewest payments

One tap nets everyone's balances, finds the minimum set of transfers, and records them all — so a tangle of IOUs becomes two or three clean payments.

Settlements

Record settlements

Mark payments as settled and keep everyone square. UPI, cash or bank transfer — record it and move on.

Activity

Live activity feed

See every expense, settlement and invite in one timeline. Nobody misses an update.

Invites

Email invitations that just work

Invite anyone by email. Pending requests appear on their home screen. You stay in control — nobody joins without accepting. Welcome emails guide new users through signup.

Budgets

Set a budget & see what's left

Give a group a total or monthly budget, add per-category caps, and watch a live "spent vs left" bar as you add expenses — green, amber, then red when you're close. No spreadsheets.

Everything inside

One app for every shared rupee

From the very first expense to the final settle-up — here's the full toolkit, all in one place.

Add expense Amount ₹ 2,400 Dinner Split equally · 3 people ₹ 800 ₹ 800 ₹ 800 Save expense

Split & track

  • Equal, exact, shares or percentage splits
  • Multiple payers on one expense
  • Custom per-group categories
  • Notes, comments & edit history

Settle & balance

  • Smart Settle Up in the fewest payments
  • Record cash, UPI or bank settlements
  • Who-owes-whom across every group
  • Reopen a settled group anytime

Share & stay in sync

  • One-to-one friend splitting
  • Email invites with accept control
  • Push notifications & activity feed
  • Instant balance updates for all

Secure & yours

  • Email & password or phone OTP login
  • Email-based password reset
  • Paise-accurate, no rounding drift
  • No ads · delete your account anytime

How it works

From download to settled in 5 steps

A clear flow — no confusion, no awkward money conversations.

1

Download

Get the app and sign up with email or phone OTP in under 2 minutes.

2

Create a group

Name your trip, home or event. Invite members by email — they accept when ready.

3

Add expenses

Log who paid, who participated, pick a split type and category. Done in seconds.

4

See balances

Instantly see who owes whom with simplified payment suggestions.

5

Settle up

Pay via UPI or cash, record the settlement, and everyone stays square.

Made for real life

One app, every kind of group

However you share costs, SettleUp keeps it fair.

Trips

Hotels, cabs and dinners across the whole crew.

Flatmates

Rent, groceries and bills, month after month.

Weddings

Vendors, gifts, shared costs — track every rupee for the big day.

Events

Parties, gifts and group buys, split in seconds.

Why SettleUp

Honest maths you can trust

Balances are computed on the server with integer-paise precision — never rounding errors, never guesswork.

Rupee-precise

Every split is exact to the paise using the largest-remainder method.

Always balances

Group totals always sum to zero — what's owed equals what's due.

Private & secure

Token-based auth, your data stays yours. No ads, no selling data.

Instant updates

Add an expense and every member sees updated balances immediately.

Goa Trip · balances
Who owes whom
Rahul owes you₹600
Bob owes you₹450
Priya owes you₹200
Everyone settles in 3 payments

Built to save you time

Less maths. Fewer payments. Zero awkwardness.

Two standout features that make settling up feel effortless.

Smart Settle Up

Settle the whole group in the fewest payments

SettleUp nets everyone's balances and finds the minimum set of transfers using a proven min-cash-flow algorithm — then records them all in one tap, with a full breakdown of the maths.

Tangled debts
Saurabh → Anuj ₹500
Anuj → Chakresh ₹300
Chakresh → Saurabh ₹100
Smart Settle Up
Saurabh → Anuj ₹200
Saurabh → Chakresh ₹200
3 payments become 2
Budgets

Set a budget and always know what's left

Give a group a total or monthly budget, add optional per-category caps (always ≤ the total), and watch spending update live as expenses come in.

Goa Trip · this month₹18,400 / ₹25,000
Stay₹9,000 / ₹12,000
Food₹6,400 / ₹7,000
₹6,600 left to spend

The difference

Stop chasing people on WhatsApp

Spreadsheets get messy. Group chats get ignored. SettleUp keeps everyone on the same page.

Without SettleUp

Endless "who paid what?" messages
Spreadsheet formulas that break
Forgotten expenses and awkward reminders
Rounding errors that don't add up
No one knows the real balance

With SettleUp

One tap to add any expense
Server-side maths — always exact
Live activity feed for the whole group
Clear "who owes whom" balances
Settle up and move on — no drama

Security

Your money data, protected

Built with privacy in mind from day one.

Secure authentication

JWT tokens, bcrypt passwords, and phone OTP. Your account stays locked down.

No ads, no tracking

We don't sell your data or show ads. SettleUp exists to help you split bills.

Transparent ledger

Every expense and settlement is logged. Full audit trail for every group.

Real stories

Loved by groups everywhere

From weekend trips to monthly flatmate bills — SettleUp keeps friendships intact.

Our Goa trip had 8 people and dozens of expenses. SettleUp handled everything — we settled in one evening instead of arguing for a week.
AK
Arjun K.
Trip organiser · Bangalore
Three flatmates, rent, groceries, WiFi — SettleUp replaced our broken Google Sheet. The category breakdown is a game changer.
SP
Sneha P.
Flatmate · Mumbai
Finally an app that gets INR right. No weird rounding, no dollar signs. Just clean rupee amounts that actually add up.
RM
Rohan M.
Power user · Delhi

FAQ

Questions, answered

Yes. SettleUp is free to use with no ads and no hidden fees. We built it to solve a real problem — not to sell your attention.

SettleUp is available on iPhone and Android — tap the App Store or Google Play badge to download it for your device.

Yes. Alongside groups, SettleUp supports one-to-one splits with a friend, with the same precise balances and settle-up flow.

Yes. An expense can have multiple payers with exact amounts, combined with any split method for who owes what — perfect for real-life bills.

Invite anyone by email. If they already use SettleUp they get an in-app pending request to accept; if not, they receive a link to register and join. You stay in control — nobody is added without accepting.

SettleUp is INR-first today, with all amounts tracked precisely in paise (₹1 = 100 paise). No floating-point rounding surprises.

Absolutely — split equally, by exact amounts, by shares, or by percentage. Mix and match across different expenses in the same group.

Smart Settle Up nets everyone’s balances and computes the minimum set of payments needed to clear all debts, then records them in one step — turning a tangle of IOUs into two or three clean transfers.

Yes. SettleUp sends push notifications and keeps a live activity feed, so every expense, settlement and invite is visible to the whole group in real time.

Sign in with email and password or with a phone OTP. Forgot your password? Reset it with a one-time code sent to your email.

All calculations run on our server using integer paise and the largest-remainder method. Group balances always sum to zero — what’s owed equals what’s due.

Yes. We use JWT authentication and encrypted passwords, never show ads, and never sell your data. You can delete your account anytime from the app or our website.

Perfect for it. Create a group for your wedding or event, add vendors and contributors, track gifts and shared costs, and settle up when it’s all done.

Ready to split smarter?

Get SettleUp and start tracking group expenses in minutes. Free, no ads, built for India — available on iPhone and Android.

Download on theApp Store Get it onGoogle Play

Questions? mail@truelytech.com

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