Simpler expense splitting. Same result.
The Settle Up alternative that skips the complexity. Receipt scanning, flexible splits, and one-tap payments — without the learning curve.
This is for you if...
- ✓You found Settle Up's interface harder to navigate than it needed to be
- ✓You want receipt scanning that works without extra steps
- ✓You've wished the settle-up process itself was faster
- ✓You want everyone to have access without everyone paying
An expense-splitting app should save you time, not cost you time.
Designed for speed and clarity
Are We Even focuses on the things that matter most: fast expense entry, clear balances, and easy payments. Thousands of groups use it for everyday expense sharing.
No feature bloat. No steep learning curve.
Just the tools you need, where you expect them.
Where Settle Up adds friction
The interface has a learning curve
Too many screens, too many options, too many taps to complete a simple task. New users get lost.
Everyone needs to be active
Settle Up works best when all group members participate equally. Most groups don't operate that way.
Payment settlement is manual
You see who owes what, but paying requires switching to another app, typing the amount, and finding the recipient manually.
Feature overload
Currency conversion, recurring expenses, multiple groups, custom categories — useful for power users, overwhelming for everyone else.
Less is more
Are We Even strips expense splitting down to what matters. Add an expense. See the balance. Settle up. Three actions, clearly presented. Advanced features exist when you need them — receipt scanning, income-based splits, item-level splitting. But they don't get in the way of the basics. One person manages the account. Everyone else just shows up.
- Clean interface that prioritizes the most common actions
- Receipt scanning and advanced splits available when needed
- Pre-filled payment links eliminate manual settle-up
How it works
Create a group
Add your people. Name the group. Done in 30 seconds.
Add expenses fast
Tap, type, split. Or scan a receipt and let the app do the work. Under 10 seconds either way.
Balances stay current
Real-time updates. Everyone sees the same number. No sync delays.
Settle up with one tap
Pre-filled payment links for Venmo, Cash App, Zelle, PayPal, Apple Cash, and Google Pay. Tap, confirm, done.
Clean and fast
No clutter. No confusion. Just expenses, balances, and a clear path to settle up.
Features
Fast expense entry
Title, amount, split. Three fields and you're done. The fastest path from "I paid for this" to "it's logged."
One-tap settle-up
Pre-filled payment links mean you never type an amount into Venmo again. The app calculates the minimum transfers and generates the link.
Receipt scanning
Camera capture with edge detection and item extraction. Scan the receipt, review the items, save. No manual entry.
Works with one active user
One person can manage the entire group. Add expenses, track balances, send settle-up links. Others participate when they want to.
What people track after switching from Settle Up
Feature comparison: Settle Up vs Are We Even
| Method | The Problem |
|---|---|
| Expense entry speed | Multiple screens |
| Receipt scanning | Basic OCR |
| Income-based splits | Not available |
| Built-in payment links | Not available |
| Pricing model | Free with ads / Premium |
| Learning curve | Moderate |
| Offline support | Yes |
| Are We Even | None. That's the point. |
Settle Up has more settings — and that's okay
Settle Up offers granular control for people who want it. Currency conversion, recurring expense templates, offline-first architecture — these are real features that serve power users. Are We Even is for people who want less configuration and more clarity. If you spend more time setting up your expense tracker than actually tracking expenses, that's the gap we fill.
Frequently Asked Questions
- Can I import my Settle Up data?
- Export your data from Settle Up, then drag the file into Are We Even. The app detects columns automatically and flags duplicates. You choose which expenses to bring over.
- Is Are We Even simpler than Settle Up?
- Yes, by design. Fewer screens, fewer taps, fewer options to configure. The core flow — add expense, see balance, settle up — is streamlined to take seconds.
- Does it work for international groups?
- Yes. Multi-currency support handles groups that span different countries. PayPal integration makes cross-border payments straightforward.
Expense splitting should save you time, not cost you time.
Simpler tools. Faster workflow. Same result.