Tabby vs Settle Up

Last reviewed June 4, 2026

Settle Up earned its following as the friendlier, more generous answer to Splitwise — flexible weighted splits, real web access, and a free tier that doesn’t cap how many expenses you add. The trade-off is ads: the free version shows a full-screen ad after roughly every few expenses, and you’ll pay to remove them.

Tabby keeps the core free and ad-free, and adds AI receipt scanning so you’re not retyping every line of a bill.

The verdict

Settle Up is a strong, fair choice — especially if you want a web app or full offline mode today, which Tabby doesn’t offer yet. But if interruptive ads bother you, or you’d rather snap a receipt than type it out, Tabby gives you an ad-free, AI-assisted experience for free.

Other apps’ pricing and ad behavior change often. Last reviewed June 2026 — check the store listings for the latest.

Feature comparison

Feature Tabby Settle Up
Ads Never Free tier shows a full-screen ad every few expenses
AI receipt scanning Built in — reads the line items for you Photo attachment only (Premium); no AI/OCR extraction
Automatic currency conversion Included Included (real-time rates)
Settle-up optimization Yes — fewest transfers Yes — minimizes number of payments
Offline mode Syncs across your devices Yes — full offline with later sync
Web app Coming soon (mobile first) Yes — group access via browser link
Flexible splits & multiple payers Yes Yes — including weighted shares
Pricing Free to track, split and settle — no ads Free with ads; Premium around $3.99/mo or $19.99/yr (group & lifetime options up to ~$149.99)

Why switch to Tabby

  • No ads — Settle Up's free tier interrupts you with a full-screen ad every few expenses.
  • AI receipt scanning reads the items for you, instead of just attaching a photo.
  • A modern interface — several reviewers find Settle Up's design dated.
  • Everything you need to split and settle is free; you only pay if you want AI.

Where Settle Up is strong

  • A genuinely generous free tier for core splitting.
  • Real web access and a shareable group link — members don't have to install the app.
  • Full offline mode with sync when you're back online.
  • Flexible weighted splits and multiple payers; a high 4.8 store rating.

Frequently asked questions

Is Settle Up free?

The core splitting features are free but ad-supported — the developer notes a full-screen ad appears after roughly every few expenses. Premium removes ads and adds receipt photos, recurring transactions and custom categories.

Does Settle Up scan receipts with AI?

No. Settle Up lets you attach a receipt photo (on Premium) but doesn't use AI to read line items. Tabby does.

Does Tabby have a web app?

Not yet — Tabby is mobile-first today, while Settle Up offers browser access via a group link.

Compare with other apps

Tabby vs Splitwise → Tabby vs Tricount → Tabby vs Splid →