Settle Up is the Czech-built, mobile-first option that's been around since the early App Store days. Free tier is ad-supported (full-screen ad after every third expense); Premium ($3.99/mo) removes them. Kittysplit is the German-built no-signup web tool that pioneered the link-based model and recently added native mobile apps - with multi-currency and ad-removal behind a per-group €3 Super Kitty unlock.
The short version: Settle Up assumes you want a real account; Kittysplit assumes you want a real link. Both work; they appeal to wildly different mental models. The choice between them is mostly about which of those defaults annoys you less.
Feature comparison
Pulled cell-by-cell from our /compare/ data. Anything that looks stale - tell us and we'll fix it.
| Feature | Settle Up | Kittysplit |
|---|---|---|
| Price | Free with ads; Premium $3.99/mo or $19.99/yr | Free |
| Signup required | Yes - Google, Facebook, or email | No |
| Multi-currency | Yes | Super Kitty only (€3 one-time per group) - 120+ currencies, snapshotted at expense date |
| AI receipt scanning | No | No |
| Smart settlement (fewest transactions) | Yes | Yes |
| Real-time updates | Cloud sync (delayed) | Page refresh required |
| Recurring expenses | Yes | No |
| Comments on expenses | No | No |
| Web app | Yes | Yes (web-first) |
| Native mobile app | Yes - iOS, Android | Yes - iOS and Android (since Sept 2025) |
| Group templates | No | No |
| CSV / PDF export | CSV (Premium) | XLSX (Excel) |
| Payment links (Stripe / PayPal / Wise / Revolut) | PayPal link | No |
| Languages | 20+ | 5 |
| Data residency | EU | EU (Germany) |
| Open source | No | No |
| Ads | Yes - fullscreen ad after every 3rd expense (free tier) | Yes - banner ads on free tier; Super Kitty removes them |
The third option
Settle Up and Kittysplit are about as different as two expense splitters can be while solving the same problem. The right pick depends on whether you'd rather make accounts or accept a small in-app purchase. EvenRound takes Kittysplit's no-signup model and Settle Up's ambition to be a real app, without the ads, accounts, or per-group unlocks. See /compare/settle-up or /compare/kittysplit for the head-to-head against each.