Partly vs Settle Up for trips, flatmates and couples
Both apps keep a shared ledger for a group and work out who pays whom. The difference: Partly reads receipts with AI and lets each person claim their items. Facts checked on the official site.
Try Partly with your next receipt
What Settle Up says about itself
- Tracks group expenses for travellers, flatmates, couples and other groups. (Source: settleup.io)
- Expenses are backed up and every member can see them. (Source: settleup.io)
- Shows who should pay next and minimizes the number of transactions. (Source: settleup.io)
- For an expense in another currency, it downloads the day's exchange rate automatically; you can edit it. (Source: settleup.io/tips)
Facts read on the official pages, checked on 2026-10-04. They can change: follow the source links.
What Partly does
- Group expense app for iOS and Android, with groups for roommates, trips, couples, dinners and events.
- AI receipt scan: take a photo, the AI reads the items and amounts, you check them, then assign each item to the people who had it, or split equally, by share or by percent.
- Expenses in several currencies, converted with available exchange rates. The app is available in 22 languages.
- Balances show who owes whom and simplify automatically.
- Partly does not move money: you pay back your usual way, then record the repayment in the group.
- The free plan costs €0: up to 3 groups and 5 AI scans a month, with ads. Premium costs €49.99 a year (price varies by country and store): unlimited scans and groups, no ads.
- Mobile only: there is no web version to log in to.
Which one fits your group?
Pick Partly if… splitting receipts line by line is your group's main chore: take a photo, the AI reads the items, everyone takes theirs.
Stay with Settle Up if… your group already uses it and typing each expense by hand works for you.
Questions
Why switch from Settle Up to Partly?
Mostly for the receipt: Partly's AI scan reads the items and amounts, so you assign lines instead of typing them. Balances then simplify automatically.
Does Partly work for a flatshare?
Yes. Partly has groups for roommates, trips and couples, and supports recurring expenses such as rent or utilities.
How much does Partly cost?
The free plan costs €0: up to 3 groups and 5 AI scans a month, with ads. Premium costs €49.99 a year (price varies by country and store): unlimited scans and groups, no ads.
Does Partly handle the payment?
No. Partly does not move money. It works out who owes what in the group; you pay back your usual way (bank transfer/SEPA, PayPal, Revolut, Wise… depending on your country), then record the repayment in the group.
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