Settle Up: Split the Bill

Dinners, trips, roommates, team lunches — whoever paid, however tangled the tab, Settle Up untangles it in seconds. Just add who paid what, and the app tells everyone exactly how much to send whom, with the fewest transfers possible.

No account. No sign-up. No internet required. Every record stays on your phone.

▸ WHO OWES WHOM, INSTANTLY

Add a group, add members, log each expense with the payer and who shared it. Settle Up computes per-person balances (who gets money back, who owes) and turns them into a clean settlement plan: "A → B, 12,000."

▸ FEWEST TRANSFERS, TO THE LAST CENT

The settlement engine minimizes the number of transfers so nobody sends five tiny payments. It splits down to the smallest unit with no leftover rounding error — the totals always match.

▸ SPLIT ANY WAY YOU LIKE

• Equal split — divided evenly and automatically

• Weighted split — by shares (e.g. 2:1:1)

• Exact amounts — type each person's amount

▸ BUILT FOR REAL GROUPS

• Categories: meal, cafe, transport, stay, shopping, and more (add your own)

• Edit expenses, dates, and memos anytime

• Search, filter by category, and sort your expenses

• Check off transfers as they're paid

• Manage members, duplicate a group, archive finished ones

• Multiple currencies (₩ / $ / € / £ / ¥)

▸ SEE THE BIG PICTURE

A stats view breaks down total spending by category and by member, with averages and per-person share.

▸ SHARE THE RESULT

Send the settlement as text, a clean image card, or a CSV (Excel) file, so everyone in the chat knows what to pay.

▸ YOUR DATA STAYS YOURS

100% offline. All groups, members and expenses live only on your device (SQLite). Nothing is uploaded to any server. Back up and restore everything with a single .settlebak file.

▸ FREE, AD-SUPPORTED

Settle Up is free thanks to a small banner ad. You can unlock extra touches (stats view, image/CSV export, color themes, custom categories) or turn off the banner for 24 hours by watching a short rewarded ad — your choice, never forced.

Language: English & Korean.

Stop doing bill math in your head or in a messy group chat. Add the expenses, hit settle, and get on with the trip.