Make It Even vs Settle Up
Settle Up is a well-known group expense tracker focused on shared balances and settling debts. Make It Even does the same core job and adds features aimed at ongoing, multi-currency sharing — group budgets, locked historical exchange rates, and a no-ads free tier.
Where the apps differ most is in how the free experience feels and how currency history is treated. Make It Even keeps the free tier ad-free with no daily expense cap and bundles multi-currency for free, locking each expense to its own day's rate.
Here's a fair comparison. Settle Up is a trademark of its respective owner, and these details reflect our understanding at the time of writing.
| Feature | Make It Even | Settle Up |
|---|---|---|
| Free-tier limits & ads | No ads, no daily expense cap; 3 active groups, 5 active friends | Free tier may include ads; paid tier removes them |
| Pricing model | Free, or Pro at $3.99/mo / $29.99/yr, 14-day trial | Free plus an optional premium subscription |
| Split types | Equal, exact, percentage, shares, itemized (Pro) | Equal, shares, and amount-based splits |
| Multi-currency & FX | Free; each expense locks that day's rate | Multi-currency supported; conversion handling varies |
| Receipt scanning | AI receipt scanning on Pro | Varies by version |
| Debt simplification | Free; fewest payments to settle | Optimized debt settling supported |
| Group budgets | Group monthly budgets included free | No group budget feature |
| Recurring expenses | Included free | Availability varies |
| Payments / settle-up | PayPal, Venmo, Cash App deep links plus cash | Settle-up tracking; integrations vary |
| Data export & privacy | CSV export (Pro); GDPR export and account deletion | Export options vary by tier |
| Platform | Installable PWA on any modern browser | Native apps and web |
Why people switch to Make It Even
Ad-free free tier
Make It Even's free plan has no ads and no daily limit on expenses, so the everyday experience stays clean.
Free multi-currency with locked rates
Record in 14 currencies for free, and each expense keeps its own day's exchange rate so your history never silently re-converts.
Group monthly budgets
Track shared spending against a monthly target per group — included free and not something Settle Up offers.
Clear settle-up paths
Debt simplification suggests the fewest payments, and settle-up links to PayPal, Venmo, and Cash App make paying back easy.
Questions
- How is Make It Even different from Settle Up?
- Both track shared balances, but Make It Even adds free multi-currency with locked rates, group monthly budgets, and an ad-free free tier with no daily expense cap.
- Is multi-currency free in Make It Even?
- Yes, across 14 currencies, with each expense locking that day's rate so trip history stays accurate.
- Can Make It Even simplify who owes whom?
- Yes — debt simplification calculates the fewest payments needed to settle a group, and it's free.
- Does Make It Even have spending budgets?
- Yes. Group monthly budgets are built into the free tier so you can watch shared spending against a target.
- Can I export my data?
- Pro includes CSV export, and every account can request a GDPR data export and full account deletion.