Split expenses.
Settle up effortlessly.
Settlr makes it simple to track shared expenses with roommates, friends, family, and travel groups — simplify balances automatically and settle debts in one tap.
Designed for real-world shared spending
🏡 Roommates & Housemates
Track rent, utilities, groceries, household items, and internet without messy spreadsheets.
✈️ Vacations & Group Trips
Log flights, hotels, dinners, and excursions in any currency with automatic multi-currency conversions.
💑 Couples & Partners
Keep a clear, stress-free record of joint dining, date nights, and shared monthly subscriptions.
🎉 Events, Dinners & Parties
Split dinner checks, birthday gifts, and bachelor/bachelorette party tabs fairly in seconds.
Everything you need to manage group costs
No complicated accounting jargon. Just clear balances and effortless settlements.
Flexible Bill Splitting
Split bills equally, by exact custom amounts, or by percentage to match exactly who paid for what.
Debt Simplification
Our smart algorithm minimizes the total number of payments needed across the group so settling is easy.
Multi-Currency Support
Add expenses in foreign currencies while traveling abroad without manual conversion headaches.
Group Collaboration Boards
Organize group notes, shared checklists, countdown timers, maps, and weather widgets all in one spot.
Instant Guest & Web Invites
Invite friends with simple share links or codes. Guest members can join and view balances immediately.
Analytics & CSV Exports
View detailed spending breakdowns by category and export clean CSV reports whenever needed.
How Settlr compares to the alternatives
Compare Settlr with traditional manual spreadsheets and restrictive bill splitting apps.
| Feature / Capability | Settlr | Traditional Spreadsheets | Other Expense Splitters |
|---|---|---|---|
| Free Unlimited Expenses | ✓ Included | ✓ Yes (Manual) | ✕ Often Daily Limits |
| Automatic Debt Simplification | ✓ 1-Tap Algorithm | ✕ Complex Formulas | ✓ Included |
| Multi-Currency Support | ✓ Built-in | ✕ Manual Rates | ✓ Built-in |
| Group Boards & Checklists | ✓ Integrated | ✕ Separate App | ✕ Not Available |
| Guest Access (No mandatory signup) | ✓ Supported | ✓ Shared Link | ✕ Forced Registration |
| CSV Data Export | ✓ Free Export | ✓ Native | ✕ Often Premium Only |
Frequently Asked Questions
What is the best free app for splitting costs with friends?
Settlr is a completely free bill-splitting app for iOS and Android with no ads, no subscriptions, no in-app purchases and no daily expense limits. Unlike most free expense splitters, your friends don't need to install the app or create an account: they can add expenses and payments from any web browser using a group link.
Is Settlr really free? Are there any limits?
Yes, Settlr is 100% free. There are no ads, subscriptions or in-app purchases, and no limits on groups, expenses, members or currencies. Every feature, including charts, receipts, group chat and CSV export, is free.
Do my friends need to download the app or sign up?
No. You need an account to create a group, but your friends don't. Share the group's web link and they can open it in any browser to see balances and add expenses or payments, with no app, account or password. You choose what the link lets them see and do. You can also add anyone as a guest and track their share for them.
Can guests get their own account later?
Yes. Send a guest an invite link and they can claim their own Settlr account whenever they like. All of their expenses, payments and balances carry over.
How does Settlr simplify group debts?
Settlr's debt simplification works out the fewest payments needed for the whole group to settle up, so nobody has to make multiple cross-payments.
Can I split bills unequally?
Yes. Each expense can be split equally, by exact amounts, by percentage or by shares.
Does Settlr support multiple currencies for travel?
Yes. Add expenses in any currency with live exchange rates that you can edit, and see balances across every group and currency.
Does Settlr work offline?
Yes. You can add expenses and payments without an internet connection and they sync automatically when you're back online.
Does Settlr transfer real money or link bank accounts?
No. Settlr tracks who owes whom. Payments happen outside the app (cash, bank transfer, Revolut, PayPal and so on) and you record them in Settlr with one tap.
What else can Settlr do besides splitting expenses?
Settlr includes group chat and direct messages with photos, videos and voice messages, plus a shared planning board with notes, checklists, places, weather, a calendar with reminders and a photo wall. You can also track personal expenses on your own.
Ready to settle up without the stress?
Download Settlr today for iOS and Android and start managing shared expenses the smart way.