Deudin vs Settle Up
Deudin vs Settle Up: the honest comparison
Settle Up is the closest functional overlap with Deudin: offline mode, multi-currency, strong debt simplification, and a web version alongside the native apps. The differences are the edges: Settle Up shows ads on the free tier and paywalls receipts, categories, recurring expenses and export behind Premium (≈ $19/yr, after a recent price rise), and whoever runs the group needs an account. Deudin is fully free with no ads, needs no account from anyone, and keeps balances per currency instead of applying a daily rate.
Settle Up deserves respect: a Czech indie team has kept it useful for over a decade, its debt-minimization is battle-tested, and it runs on Android, iOS and the web. If you're going to pay for this category, it's one of the more honest places to do it.
The 2025 monetization changes tightened the free tier, though — the pattern the whole category keeps repeating. Deudin's bet is that the core of this job (record, split, simplify, settle) should stay free and unmetered, and that nobody in the group should need to sign in just to keep score.
Feature by feature
| Deudin | Settle Up | |
|---|---|---|
| Price | Free — no ads, no premium tier | Free with ads; Premium ≈ $3.49/mo or ≈ $19/yr |
| Works offline | Offline-first — read and write | Yes — syncs later |
| Accounts required | Never — for anyone | The person tracking needs one; members can stay passive |
| Multi-currency | Balances per currency, no forced conversion | All currencies, daily FX rates auto-applied |
| Debt simplification | Yes, per currency | Yes — strong, including debt transfer |
| Categories | Yes, free — with stats | Custom categories — Premium |
| Recurring expenses | No | Yes — Premium |
| Receipt photos | No | Yes — Premium |
| Export | Not yet (on the roadmap) | Excel (.xlsx) — Premium |
| Read-only share link | No — invite links let people claim a member | Yes — anyone can view balances via link |
| Apps | Web + installable PWA, no app store | Android, iOS, web |
Facts checked July 2026. Settle Up's pricing changed in 2025 and older sources still quote lower figures — check their site for your region's current price.
Choose Deudin if…
- You want zero ads and zero paywalls — categories, stats and unlimited entries included.
- Nobody in the group wants to create an account, including whoever keeps score.
- You want per-currency balances instead of totals moved by a daily exchange rate.
- You're coming from Splitwise — Deudin imports the CSV with exact balance parity.
Settle Up is the better choice if…
- You need recurring expenses (rent, subscriptions) recorded automatically.
- You attach receipt photos and are happy to pay Premium for it.
- You want a single-currency view computed with daily FX rates.
- You want Excel export today, not on a roadmap.
Questions, answered
Both work offline — what's the difference?+
Degree. Settle Up has an offline mode; Deudin is offline-first: the app is a local database that syncs, so reading and writing work identically with or without a connection.
How do the two handle multiple currencies?+
Settle Up applies auto-fetched daily exchange rates to give you one total. Deudin never converts: € balances stay in €, $ in $, and you settle each currency separately. Deudin's approach means nobody's debt changes because a rate moved overnight.
Is Deudin's free tier really equivalent to Settle Up Premium?+
On some axes (no ads, categories, unlimited use) yes; on others no — Deudin has no recurring expenses, no receipt photos and no export yet. The comparison table above is the honest inventory.
Can my friends see balances without joining?+
In Settle Up, yes — read-only web links. In Deudin, a friend claims their member via an invite link (which takes seconds and needs no app install, but is a step). A read-only view is something we're considering.
The whole job, free — no Premium asterisk.
Create a group in ten seconds. Your friends never need to sign in.