Track shared expenses without the drama

SettleUp keeps shared spending clear between friends, family, and roommates — so everyone can see who has to give what, without the awkward maths or the chasing.

• Works fully offline. Your records live on your device first — add expenses on a plane, in a basement, anywhere. They sync when you're back online.
• Clear, human language. No "debit" or "credit" — just who has to give what, and who has to get what.
• 1-to-1 and groups. Split a dinner with one friend or track a whole trip with a group. Each shared ledger stays its own tidy story.
• Private by design. Contact matching uses one-way scrambled fingerprints — your contacts' raw phone numbers never leave your device. We never sell your data.
• Backed up and restorable. Sign in once and your data is safely backed up; reinstall and pick up exactly where you left off.
• Free to use.