Let's Settle Up!
Add expenses, track who owes whom and settle up in one click. Perfect for trips, roommates and shared purchases.
Three simple steps to settle your group
Invite friends with a code, link or email. Joining is free.
Add manually or import a list from a file. Split equally, by amount or percentage.
The algorithm calculates the minimum number of transfers. Both sides confirm — zero misunderstandings.
Features that make group life easier
Trips, roommates, events — a separate group for every occasion. Share a code or invitation link.
Split equally, by amount or percentage. Per-person multipliers (×2 for a couple, ×0.5 for a child) automatically adjust shares.
The algorithm minimizes the number of transfers to settle a group. Both sides confirm — zero misunderstandings.
Import expenses from a file, export history to PDF or XLSX — your data, whenever you want.
Add expenses on the go abroad with no internet access — everything syncs as soon as you reconnect.
EUR expense in a PLN group? No problem. We convert using NBP rates from the day of the expense — with optional manual override.
Full functionality, no subscription.
Need more groups?
Support the app with a one-time donation in the mobile app and unlock extra settlement groups. No subscription — pay once, keep them forever.
Only the group creator needs extra groups. Members can join any number of settlement groups — no limits, no fees.
Everything worth knowing before you start
Yes. Full functionality is available without a subscription. Unlimited expenses, members and groups you join. Only group creators need a one-time donation after their first few own groups.
Yes. You can add expenses without an internet connection — everything syncs as soon as you reconnect. Perfect for trips abroad without roaming.
Yes. You can add an expense in a different currency than the group's — we convert using NBP rates from the day of the expense, with optional manual override.
The algorithm calculates the minimum number of transfers needed to settle the group. Instead of 10 cross-transfers, 3 may be enough. Both sides confirm — zero misunderstandings.
Yes. Let's Settle Up! offers all key Splitwise features — equal, exact and percentage splits, transfer optimization, multi-member groups — without a subscription and without expense limits. Plus: per-person multipliers, import/export, offline support and NBP rate currency conversion.
The app runs on Android (Google Play) and in the browser as a PWA — you can add it to your phone's home screen or use it from a computer. Data syncs across devices.
Join Let's Settle Up! and forget about manual calculations.