AI · alternatives · 2026

24 alternatives to Settl: Split. Track. Settle.

Split and Settle with UPI and AI

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1
   Settl▲12

   Speak naturally and split expenses instantly

   Aug 2026 · settl.fyi · its alternatives →

2. 2
   Settl▲2

   Split group expenses offline, no account needed

   Apr 2026 · play.google.com · its alternatives →

3. 3
   Let's Split▲89

   Share, track and settle group expenses all in one app

   2023 · letsplit.com · its alternatives →

4. 4
   Settli▲3

   Settle your accounts.

   Jun 2026 · settli.net · its alternatives →

5. 5
   SplitBhai▲3

   Track group expenses & settle up with smart insights.

   May 2026 · play.google.com · its alternatives →

6. 6
   instatab▲65

   Split expenses effortlessly

   2022 · instatab.io · its alternatives →

7. 7
   Let's Split▲86

   Split and pay group expenses

   2023 · letsplit.com · its alternatives →

8. 8
   SplitMyExpenses 2.0▲108

   Hey HN I'm Brad, the creator of SplitMyExpenses (SME)! I've always dreaded splitting expenses with friends after meals, so I'd usually do it as a batch process after a few weeks. I always dreamed of a tool that fit that workflow seamlessly and couldn't find it, so I did the thing most software tinkerers do, build your own tool! It has evolved substantially over the past few years, from a side project that almost never made it out the graveyard, to a polished web app with powerful API integrations and even AI! Splitting expenses sounded simple up front, but a few challenges worth calling out:…

   2023 · splitmyexpenses.com · its alternatives →

9. 9
   Splitser▲119

   Easily split and settle group expenses

   2023 · splitser.com · its alternatives →

10. 10
    instatab▲73

    Split expenses effortlessly

    2023 · instatab.io · its alternatives →

11. 11
    Splitkaro Drafts - Never miss an expense▲35

    Let Splitkaro track your expenses, you just train it how to!

    2025 · splitkaro.com · its alternatives →

12. 12
    Splitty for Telegram▲89

    Helps with managing shared expenses

    2017 · t.me · its alternatives →

13. 13
    SaySplit▲7

    Just text what you paid. AI splits the bill.

    Jul 2026 · saysplit.app · its alternatives →

14. 14
    Splitiv▲9

    Split expenses, track balances, settle confidently

    Jul 2026 · splitiv.com · its alternatives →

15. 15
    Spliit – FOSS alternative to Splitwise, with receipt scanning▲28

    Free and Open Source Alternative to Splitwise. Share expenses with your friends and family. - spliit-app/spliit

    2024 · github.com · its alternatives →

16. 16
    FreeSplit▲29

    Free group expense splitting without limits.

    2025 · freesplit.ca · its alternatives →

17. 17
    Splitwin▲4

    Split expenses with friends — every feature free, no paywall

    Jul 2026 · splitwin.app · its alternatives →

18. 18
    Bill Split - Money Splitting App▲13

    Share Bills & Track Expenses

    2025 · its alternatives →

19. 19
    PaySplitter▲3

    Split expenses seamlessly. Settle debts with zero stress.

    Jun 2026 · paysplitter-ai.netlify.app · its alternatives →

20. 20
    SplitIQ ▲1

    AI-Powered Expense Splitting with Smart Budgets

    Nov 2025 · play.google.com · its alternatives →

21. 21
    Stakeplot▲8

    Automatically Track, budget and save money | rewards | India

    2025 · stakeplot.com · its alternatives →

22. 22
    SuperSplit▲12

    Split bills. Track expenses. Settle up easily.

    2025 · supersplit.app · its alternatives →

23. 23
    SplitAI▲1

    Smart expense splitting

    2025 · splitai.io · its alternatives →

24. 24
    KHRCHA▲2

    Track you expenses for FREE, without installing an app

    Jun 2026 · khrcha.compilr.in · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →