# Settlify

> Split expenses — start free, no subscription, no installation. Settlify removes friction at every step of managing group bills: no account or daily limits when adding expenses, and settlement takes one tap using payment apps the group already has (Revolut, Twint, more coming). No ads, no bank affiliation. Members join from a browser with no account required.

## Product

- [Landing page](https://www.settlify.app): Features, pricing, and FAQ
- [About](https://www.settlify.app/about): Why Settlify was built, how it works, and its principles — no subscription, no ads, no lock-in.
- [Privacy Policy](https://www.settlify.app/privacy)
- [Terms of Service](https://www.settlify.app/terms)

## Features

- [Features](https://www.settlify.app/features): What makes Settlify different — no subscription, no installation, no hidden currency conversions
- [Split Bills Without Downloading an App](https://www.settlify.app/features/no-installation-needed): Nobody in the group needs to install anything. The organiser creates a group at settlify.app with a free account, shares the link, and everyone else joins in their browser — no account, no download required for members.
- [Split Bills Without Signing Up](https://www.settlify.app/features/no-account-needed): Group members join via a link with no account, no email, and no password. They can add expenses, view balances, see the settlement, and record payments — the full experience. Only organisers need a free account, so they can always recover access to the group.
- [Settle Up in the Fewest Payments Possible](https://www.settlify.app/features/simplify-debts): Settlify's debt simplification algorithm finds the minimum number of transfers needed to clear all balances in a group. A group that would need 5 payments settles with 1. Supports multi-currency groups with no hidden conversions, and suggests payment apps the group already has (Revolut, Twint).

## Articles

- [Articles](https://www.settlify.app/articles): Guides and tips on splitting group expenses fairly
- [RSS Feed](https://www.settlify.app/feed.xml): Subscribe to new articles and feature pages
- [Your Expense App Is Converting Currencies Without Telling You](https://www.settlify.app/articles/split-expenses-group-trip-abroad): Why bill-splitting apps silently convert currencies in the background — and how to track group expenses abroad so the numbers actually match.
- [Splitwise Alternative: No Ads, No Daily Limits](https://www.settlify.app/articles/splitwise-alternative): Splitwise limits free users to 2 expenses per day then forces unskippable ads. Settlify charges a one-time fee per group — a few cents per person — with no subscription and no daily limits.
- [Bill Splitting Apps and Privacy: Ads, Data, and the Bank Behind Your Expenses](https://www.settlify.app/articles/bill-splitting-apps-privacy): What free bill-splitting apps actually collect, how ad trackers work, what permissions to watch for, and what data sovereignty and encryption at rest mean in practice.
- [Splitwise Daily Limit: Why You Can't Add Expenses (And What To Do)](https://www.settlify.app/articles/splitwise-daily-limit): Splitwise limits free users to around 2-3 expenses per day, then forces unskippable ads, then blocks further entries until the next day. Here's why it happens and what your options are.
- [Bill Splitting Apps Without a Subscription: Why the Model Matters](https://www.settlify.app/articles/bill-splitting-apps-no-subscription): Most Splitwise alternatives are built on the same subscription model. Settlify charges a one-time fee per group, split among members, with no monthly plan, no annual plan, and no free tier that gets restricted over time.
- [How to Split Expenses Without Anyone Downloading an App](https://www.settlify.app/articles/split-expenses-without-downloading-app): Most expense apps require every member to install. With Settlify, members join from a browser with no account required — the organiser only needs a free account to create the group.

## Comparisons

- [Comparisons](https://www.settlify.app/vs): Side-by-side comparisons of Settlify against other bill-splitting apps
- [Privacy comparison: SettleUp, Tricount and others vs Settlify](https://www.settlify.app/vs/settleup-tricount-privacy): Independent Exodus Privacy audits show SettleUp embeds Facebook Ads and Google AdMob trackers; Tricount (owned by Dutch neobank Bunq) requests 47 permissions including location, microphone, and camera; Settlify has zero trackers and requests only what is needed to function.
- [Easiest Bill Splitting Apps to Start (2026)](https://www.settlify.app/vs/easiest-bill-splitting-app-to-start): Splitwise, Tricount, Splid, SettleUp, Kittysplit, and Settlify compared on the three things that create friction before the first expense is logged: installation, signup, and payment model.
- [Splitwise vs Settlify (2026)](https://www.settlify.app/vs/splitwise-vs-settlify): Both apps have native iOS and Android apps. The core difference is philosophical: Splitwise is built for long-term commitment — accounts required for every participant, monthly subscription for full access, 2-expense daily limit on the free tier. Settlify is built for convenience — join via link, no installation required to participate, one-time fee per group (~$12/year for 12 groups vs Splitwise Pro at ~$40/year). Includes a use-case breakdown covering trips, roommates, large groups, privacy, power users, and price.

## Key facts

- Available on Android (Google Play) and iOS (App Store). Also available as a web app — no installation needed.
- Web app available at settlify.app — no installation or signup needed. The organiser can create and manage a group from the browser with a free account; group members join via a link with no account required.
- Settle up using payment apps your group already has: supports Revolut and Twint (Switzerland), more coming soon.
- Transparent currency conversion: add expenses in any currency, choose if and when to convert — no hidden auto-conversions.
- Pricing: the group creator pays once per group; Settlify adds it as the first expense so the group splits the cost. "Settlify One" is a pay-when-you-need-it plan for short trips and one-off events ($1 launch offer). No subscription, no lock-in.
- First group is always free — all features included, no credit card required.
- No ads, no bank promotions. Settlify is independent from all banks.
- No financial data stored. In-app purchases handled by Google Play / Apple App Store.
- Contact: hello@settlify.app