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Splid and Settle Up alternatives: 7 apps compared on cost and upkeep

October 7, 2026 · 12 min read · Dimesum Engineering

Splid sells one $3.99 upgrade and its Android app had gone twelve months without an update by August 2026; Settle Up sells a pass one person buys for the whole group. Seven alternatives, compared on what they cost a group and whether they still ship.

Splid's Android app has not shipped an update since 23 August 2025. Settle Up sells a pass one person buys for the whole group. Those two facts are why people search for Splid alternatives and Settle Up alternatives, and Dimesum, the free shared ledger we build, is first on this list because it is ours.

This page covers both apps in one place, because the reasons overlap: what a group pays, and whether the app will still be maintained when your flat's third year of rent is in it. Every fact about another app is dated and comes from its store listing or our market research from August 2026. We describe the apps; we don't score them.

Splid, in three dated facts

Splid is a group expense app that sells one upgrade, once. On its US App Store listing that upgrade, Splid Plus, cost $3.99 as of August 2026. There are no ads and no subscription.

The second fact is upkeep. On 22 August 2026 our research read the Android listing: last updated 23 August 2025, twelve months without a release. We read it again on 7 October 2026 and it showed the same date.

The third fact is what we do not know. Our research did not test how Splid handles edits, currencies or exports, so we say nothing about them. A year without an Android release does not mean the app has stopped working. It means nobody has said whether it will keep working, and for a record you plan to keep for years that silence is the thing to weigh.

Settle Up, in three dated facts

Settle Up charges in two shapes. One is an ordinary personal subscription. The other is a group pass that any one member can buy, which switches on the paid features for everybody in that group.

As of August 2026, its US App Store listing priced the group pass from $5.99 for a week to $149.99 for a lifetime. Its Android listing was last updated on 17 August 2026, so it is shipping.

The group pass changes who pays, compared with a subscription each person buys.

One App Store reviewer in Great Britain wrote, on Splitwise version 26.5.4: "EVERY member of a group needs a subscription". Settle Up's pass makes it one purchase by one person. The cost still exists. It has moved onto whoever buys it.

What a group actually pays, side by side

Price per person hides the real question, which is who in the group ends up paying, and how often. Here are the five shapes in this category, with the figures each app published as of August 2026.

Dimesum sits in the first row on purpose. The ledger is free with no daily limit on bills, a group holds up to 50 people, and we never hold or move anyone's money. Our post on expense sharing apps that keep your data private covers what a free model does and does not do with what you type.

When a splitting app stops, the record can go with it

Upkeep sounds like a small fact until you remember what lives inside one of these apps. A flat's ledger is three years of rent, groceries and the boiler repair. A trip's ledger is who still owes for the ryokan. The app is the only place that history is written down.

This category has seen it happen. BillMonk, a bill splitting service from 2005, was bought by the payments company Obopay in 2007. On 13 September 2010 it vanished without a warning, and the people using it could not export their data. One of them asked on Hacker News that day, in a thread titled "Ask HN: whither Billmonk?", and a co-founder learned of the shutdown in the same place.

That is no prediction about Splid, which we have no reason to think is closing. It is the reason a release date is worth printing. Whatever app your group picks, keep your own copy of the history from time to time, and choose an app whose way out you have seen before you need it.

A flat for a year, priced four ways

Take a flat of four, Emma, Lucas, Sofia and Noah, who share rent, bills and a weekly shop for a year. Here is what each model asked of them in August 2026, using only the figures each app published.

• Dimesum: nothing. The ledger is free, with no daily limit on how many bills the four of them add.
• Splid: $3.99 once, for whoever buys the upgrade.
• Settle Up: $149.99 once for the lifetime group pass, bought by one of the four for the whole flat, or a personal subscription each.
• Splitwise: the free tier, capped at 4 expenses a day, or Pro at one of the US price points from $2.99 to $39.99 for each person who wants it.

None of these is a large sum. The question a flat should ask is a different one: who pays it, and what happens on the day that person moves out. A pass bought by Noah belongs to the group he leaves behind. A subscription belongs to whoever bought it.

The 7 Splid and Settle Up alternatives, ranked

The order follows four tests: who owns the app and how it is paid for, what it costs the whole group, whether it still ships, and whether everyone can join. Dimesum ranks first because it is ours and because it passes all four in the way we think matters. Our bill splitting apps comparison ranks the wider field on four other tests, from edits to exits.

1. Dimesum

Dimesum is a shared ledger for groups that split money more than once. It is free, with no daily limit on bills. Someone without the app opens a bill from a link or a QR code and takes a seat by signing in in the browser. Someone with no account sits in a kept place, a named seat that holds their balance until they claim it.

Every balance stays in its own currency.

On a ski week in Hakuba, Jonas pays ¥60,000 for lift passes and Mei pays €150 for the airport transfer, each split five ways with Aiko, Tomás and Emma. Jonas is owed ¥48,000. Mei is owed €120.

Aiko, Tomás and Emma each owe ¥12,000 and €30, Jonas owes €30 and Mei owes ¥12,000. Nobody chose an exchange rate.

Settling takes at most one transfer fewer than the number of people, per currency. Here that is four yen transfers to Jonas and four euro transfers to Mei, and the settle up guide shows the method. An edit restates the whole split and keeps the old version in the history, which our post on why an edit must restate its split explains. When someone pays, Dimesum offers a door to the other person's way of being paid, such as Wise, Revolut, PayPal or an IBAN, and never touches the money.

The limits, plainly: the web app at app.dimesum.com is live, and the Android and iOS apps are in closed testing. There are no store listings yet.

2. Splitwise

Splitwise is independent and has a free tier and a paid tier, Pro. As of August 2026, its US in-app price points were $2.99, $3.99, $4.99, $29.99 and $39.99, older and current tiers side by side, and regional prices vary widely.

Pro includes unlimited expenses, no ads, receipt scanning and itemising, currency conversion, charts, search and a JSON backup. The free tier stops at 4 expenses a day, as Splitwise's help centre states as of 7 October 2026. One review from Great Britain, on version 26.6.3, shows what meeting it is like: "after your 4th expense it says 'daily limit reached'".

The company is also turning into a payments business: a US wallet called Splitwise Pay, and a Mastercard debit card that splits purchases at the till and grants unlimited expenses without Pro. Our post on the Splitwise daily limit covers the cap, and Splitwise alternatives ranks the field from that side.

3. Tricount

Tricount is owned by the bank bunq, which bought it in 2022. As of August 2026 it was free, and its Premium tier had been withdrawn, so there was nothing to buy.

The app is part of a bank's funnel: free splitting is how a bank meets people who might open an account. If moving off Splid or Settle Up is about not paying, that is the trade on offer here. Our Tricount alternatives page covers it from the other direction.

4. Spliit

Spliit is open source, free, and runs in a browser or on your own server. Its founder launched it in February 2024 after, in the founder's words, being "sick of Splitwise, of all the ads".

Its money is small and public. In August 2026 our research put its income at about $1,300 a year, 92% of it the founder's own donation. That is the trade for a ledger no company owns: continuity rests largely on one person.

5. Tab

Tab is free, and its business model is not published anywhere our research could find in August 2026. Its Android build has not been updated since May 2023.

If you are leaving Splid because of a twelve-month gap, Tab's gap is more than three years. That is the one fact to hold beside the price.

6. Revolut Group Bills

Group Bills lives inside Revolut. It launched on 19 August 2020, as FinTech Global reported, and keeps running balances for 2 to 20 people with a feature called Smart Settle. Since about mid 2025, people without Revolut can join through a web link.

Revolut's terms say it does "not currently charge a fee" for Group Bills. Our comparison of bank split features sets out where a bank's splitter stops and a ledger app starts.

7. Monzo Split

Monzo Split was rebuilt and relaunched on 24 March 2025. It keeps a running list with no limit on expenses, allows paying back part of a balance, and lets guests join by link with no Monzo account and no UK address.

Monzo advertises "No paywalls or ads", and publishes its own feature grid against Splitwise's free tier, footnoted "as of 18/03/2026".

Leaving Splid or Settle Up without losing the trip

Most groups move at an ending: the trip settled, the lease renewed, the last bill paid. Start the next thing in the new app and leave the old group where it is, untouched, for as long as anyone might want to look something up.

If the history has to come with you, see what export your app offers before you decide. When it gives you a spreadsheet, Dimesum can take the history in from it. You give an AI assistant your Dimesum key and the file, it shows you a dry run, and then it adds each row with its real date, payer and split. Our guide to moving a group off Splitwise walks through that import, and the import half works for any app's spreadsheet.

The friend who never installs anything can stay a kept place until they open the invite link. Their balance waits on the seat.

The one check to run before you trust any new app

Enter one real bill from your last trip in a second currency, then edit it. Watch two things: whether the app keeps that currency apart from the first, and whether the edit leaves a trace. Our posts on multi-currency money bugs and why shared balances never add up explain what goes wrong when it does not.

Stay where you are if…

These are conditions, not praise. When all of them hold, a move buys your group little.

• You use Splid, it does what your group needs today, and the twelve-month gap in Android releases does not worry anyone.
• You use Settle Up, someone has already bought the lifetime group pass for $149.99, and the group is staying together.
• Nobody in the group wants to organise a move, and the history lives happily where it is.

If those don't describe you, the table at the top is the shortlist. For trips in particular, our best apps to split travel expenses ranks the field by what a trip breaks, and multi-currency expense splitting apps narrows it to groups that cross a border.