Settle Up alternative: how Settle Up and kisir compare

If you are searching for a Settle Up alternative, you probably already know what the app does: you add shared expenses, it works out who owes whom, and it suggests a short list of payments. This page compares it with kisir on the points that decide the choice. Apps change often, so everything about Settle Up below comes from its own website and App Store listing as we read them on 2026-10-17. Check the listing before you rely on a detail.

The short answer

Choose Settle Up if you want a web version, or the extras it lists under Premium, such as receipt photos, recurring and future expenses, custom categories, statistics and charts.

Choose kisir if you want nothing to sign up for, a price of zero with no tier to think about, and a group your friends can join from a link or code in under a minute. It also has Armenian alongside English and Russian.

Both split unequally, handle several currencies, work offline and suggest the fewest payments.

Settle Up vs kisir: comparison table

What Settle Up does well

It is a mature app from Step Up Labs, Inc. with a very high rating on the App Store (4.8 out of 5 from about 1.8K ratings when we looked), and it covers the full ground of a group ledger: uneven splits, multiple payers, multiple currencies, offline use and notifications when expenses are added or debts are settled.

Two things stand out. First, it has a web app as well as phone apps, which suits anyone who wants to look at the group from a laptop. Second, it offers a deeper paid layer: receipt photos, recurring and future expenses, custom categories, and statistics and charts. If your group is a long-running flat-share with the same bills every month, recurring expenses are a real convenience that kisir does not have.

Its Premium pricing is also flexible. The App Store lists subscriptions and group passes of varying length. The details change, so read the listing for today’s prices.

What kisir does differently

No account. Nobody creates an account, an email or a password. One person makes a group, shares a link, QR code or six-character code, and the others type a name. That matters for the friend abroad, the parent on a family holiday, or a one-off weekend. An optional email only restores your groups on a new phone.

One price: nothing. No ads, no subscription, unlimited groups and people. There is no feature you will meet a paywall on, because there is no paywall.

Currency you control. Each expense can be in its own currency. kisir fills in today’s exchange rate, converts to the group’s currency, and lets you change the rate to what your bank actually charged. The ledger shows both figures. For more on this, see splitting expenses in multiple currencies.

Trust features. Every expense has a history of who changed what, and only the person who added an expense can edit or delete it.

What kisir does not do

So you can judge the fit: kisir doesn’t scan receipts, itemize a bill line by line, handle recurring expenses, connect to banks or cards, move money, set budgets, or run on the web. Payments happen however you normally pay each other; kisir records them. If any of those is a must-have, Settle Up’s listing is worth reading closely.

Example: a weekend where either app gives the same answer

Ana, Leo and Mia spend a weekend away. Ana pays €150.00 for the apartment, Leo pays €60.00 for groceries and Mia pays €30.00 for fuel. The total is €240.00, so each person’s share is €80.00.

Ana paid €150.00 and owes €80.00, so she is owed €70.00. Leo paid €60.00 and is short €20.00. Mia paid €30.00 and is short €50.00. The three balances add up to zero (70 − 20 − 50), and the fewest-payments settlement is two transfers.

Both apps reach this. The difference is in how the group got there: how many people had to register, and which extras you paid for. For the logic behind it, read how to settle up with the fewest transfers.

Who each app fits

Settle Up fits you if you want a web app, receipt photos, recurring expenses, charts, or a long list of languages, and you are happy with a free tier plus optional Premium.

kisir fits you if your group changes with every trip, some members won’t install or register anything, you want Armenian, and you want to export to Excel without paying.

If your real obstacle is sign-up in general, the page on a no-account alternative to Splitwise covers what to look for in any app.

If you are switching

Don’t move a group mid-trip. Settle the old group in the app where it lives, then start the next trip or month in the new one. Two ledgers for one trip is the surest way to an argument. If half your group is on one app and half on another, pick whichever everyone can actually join.