Last updated by The EvenRound team.
Settle Up has been around since 2010 and works fine for the basics, but the UX shows its age, the free tier is ad-supported, and signup is required. EvenRound is faster, ad-free, and doesn't ask for an account at all.
No signup, no tracking
Create a group with one click. No account, no email required to start, no third-party trackers.
Security details ->Privacy-first by default
Your data stays in EU-region Postgres. GDPR-friendly DPA available. Delete a group and it's gone.
Privacy policy ->Always free, no premium tier
Every feature - receipt scanning, multi-currency, unlimited groups - is free for everyone.
How we'll keep it free ->Built in the open
Public changelog with every shipped feature, dated and described. No silent A/B tests.
See the changelog ->Side-by-side, honest. Where Settle Up is better, we say so. Last reviewed April 2026.
| Feature | EvenRound | Settle Up |
|---|---|---|
| Price | Free forever | Free with ads; Premium €0.99/mo |
| Signup required | No | Yes - Google, Facebook, or email |
| Multi-currency | Yes - FX snapshotted at expense time | Yes |
| AI receipt scanning | Yes - extracts merchant, total, line items | No |
| Smart settlement (fewest transactions) | Yes - greedy minimization | Yes |
| Real-time updates | Yes - live across all members | Cloud sync (delayed) |
| Recurring expenses | Yes - weekly, monthly, custom (RRULE) | No |
| Comments on expenses | Yes | No |
| Web app | Yes - full-featured, PWA installable | Yes |
| Native mobile app | Installable PWA (iOS + Android) | Yes - iOS, Android |
| Group templates | Yes - apartment, trip, couple, event | No |
| CSV / PDF export | CSV + PDF | CSV (Premium) |
| Payment links (Stripe / PayPal / Wise / Revolut) | Yes - first-class | PayPal link |
| Languages | 7 (EN, DE, FR, ES, PT, IT, NL) | 20+ |
| Data residency | EU (Frankfurt, Supabase) | EU |
| Open source | Open core planned | No |
| Ads | Never | Yes (free tier) |
Data points reflect public information as of April 2026. Pricing, availability, and feature scope on competing products may change.
Most groups can switch in under ten minutes.
Premium-only on Settle Up - if you don't have it, screenshot the expenses list and re-key the most recent ones.
Same name, same currency. EvenRound uses the same balance model so settlements will match.
Skip historical, settled expenses. Focus on what still has an open balance.
Run the optimal payment plan and clear the legacy Settle Up debts in one go.
The short version.
Settle Up is reliable but feels like 2014. EvenRound is what a 2026 expense splitter should look like.
No signup. Free forever. Works in your browser in 30 seconds.