# Traxpend vs Settle Up

> Traxpend vs Settle Up compared: ads, premium features, receipts, recurring bills, budgets and settling up for flatmates, families and trips.

Canonical: https://www.traxpend.com/compare/settle-up
Last updated: 2026-10-16

Settle Up is a long-running group expense app with offline support and browser links for friends without the app. Traxpend is built around a shared home or family budget, with recurring bills and budgets free on every plan.

## What Settle Up does well

Settle Up supports all currencies with live exchange rates, works offline and syncs later, and lets friends check balances in a browser without installing anything. It is a solid pick for frequent travellers.

## Side by side

|  | Traxpend | Settle Up |
| --- | --- | --- |
| Price | Free with unlimited expenses; Pro ₹99/mo in India or $4.99/mo in the US | Free with ads; Premium from $3.99/mo or $19.99/yr (US App Store) |
| Ads on the free plan | None | Yes, removed by Premium |
| Recurring expenses | Free, with reminders | Premium |
| Receipt photos | AI receipt scanning on Pro | Premium |
| Spending statistics | Analytics and monthly AI review | Premium |
| Category budgets with alerts | Alerts at 80% | Not listed |
| One split rule for the whole space | Yes | Not listed |
| Payment links when settling | UPI QR, PayPal and Venmo links | Not listed |
| Multiple currencies | 40+ currencies | All currencies, live rates |
| Works offline | Not yet | Yes |
| Friends can view without an account | Not listed | Browser link to balances |

## Which to choose

- **Choose Settle Up if:** Choose Settle Up if you travel a lot, need offline entry, and want friends to see balances without making an account.
- **Choose Traxpend if:** Choose Traxpend if you share a home or family budget and want recurring bills, budgets with alerts and fair shares by income without ads or a subscription.

## Sources

- [Settle Up on the App Store, features and in-app purchases (checked October 2026)](https://apps.apple.com/us/app/settle-up-group-expenses/id737534985)

## FAQ

### Is Traxpend a Settle Up alternative?

Yes. Both track shared expenses and settle debts in few payments. Traxpend includes recurring bills, budgets and reminders on the free plan and shows no ads.

### Does Traxpend show ads?

No. Traxpend has no ads on any plan, and we never sell your data to advertisers.

### Does Traxpend work offline?

Not yet. Traxpend needs an internet connection to add and sync expenses.

*Comparison checked October 2026; prices and features change.*

## Related

- [All comparisons](https://www.traxpend.com/compare)
- [Pricing](https://www.traxpend.com/pricing)
- [Features](https://www.traxpend.com/features)
- [Documentation](https://www.traxpend.com/docs)