An ad-free alternative to Settle Up
Settle Up's free version shows ads, and receipt photos and statistics need Premium. BuddyPay's free plan has no ads and splits bills item by item, and with Plus, AI reads your receipts for you.
- Free to use
- No bank access
- iOS & Android
Why people switch from Settle Up
A cleaner free plan for the whole group.
No ads, ever
Add expenses without sitting through an ad. Nobody in the group has to pay for a clean app.
Item-by-item splits
Tick who had which dish, or split rent by percentage. All five split types are free.
AI scanning, not just photos
With BuddyPay Plus, AI reads every item, tip and discount. You just tap who had what.
AI that reads the whole receipt
Snap a photo or upload a PDF. BuddyPay's AI lists everything on the bill, so all you do is pick who had what.
Every item. Each dish and drink, with its quantity and price. No typing.
Tips and service charges. Tips, service charges and fees on the bill become their own lines, so you choose who shares them.
Discounts worked out. Each discount goes to the items it covers, so “50% off food” leaves the drinks alone.
Tap who had what. Pick the people for each item and BuddyPay works out each person's total.
BuddyPay vs Settle Up at a glance
What the free versions include, and what the paid plans add.
| Feature | BuddyPay | Settle Up |
|---|---|---|
| Price to start | Free | Free |
| Ads on the free plan | None | Yes |
| Split equally, by amount or by shares | Included | Included |
| Expense categories | Free (preset) | Custom categories with Premium |
| Receipts | AI reads every item, tip and discount (Plus) | Store photos (Premium) |
| Spending statistics | Plus | Premium |
| Recurring expenses | Not available | Premium |
| Export | PDF report (Plus) | CSV free, Excel with Premium |
| Paid plan | Plus: $3.99/month or $39.99/year in the US; price varies by country | Premium: $3.99/month or $19.99/year in the US, plus group plans |
Competitor details checked in November 2026 on their official pages: Settle Up on the App Store
Where Settle Up is the better pick
- Recurring and future expenses. BuddyPay doesn't have them yet.
- A cheaper yearly plan: Settle Up Premium is $19.99 a year in the US, BuddyPay Plus is $39.99.
- It works offline and exports to CSV on the free plan.
Moving a group from Settle Up
Start fresh in BuddyPay and carry over what's still owed.
Check the balances in Settle Up
Settle the debts first if you can, or note who still owes whom.
Create a room and invite your group
Share the invite link. Anyone without the app can be a virtual friend.
Carry over open balances
Add each one as an expense paid by the person who's owed, split by exact amount.
Settle Up vs BuddyPay: common questions
Straight answers before you switch.
Ready to split smarter?
Download BuddyPay for free and say goodbye to awkward money conversations.