Settle Up Free

Split expenses,
not friendships.

Track shared costs with anyone. Settle up in any currency. Always free.

No credit card �� No subscription · Open source

Everything you need to split fairly

Purpose-built for groups that want simplicity without the price tag.

Free forever

No premium tier, no credit card required. Every feature, always free.

Multi-currency

Add expenses in any currency. Live rates auto-convert for easy settlements.

Debt simplification

Our algorithm minimizes the number of payments so fewer people owe fewer people.

PayPal quick-pay

One tap to open PayPal.me with the exact amount pre-filled.

Daily email digests

A single daily summary so you never lose track of new expenses.

Easy invites

Invite anyone by email. Placeholder members track their share even before they sign up.