Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs Settle Up
Waves vs Settle Up. Split expenses.
Not your freedom.
Unlimited people and expenses for free. Settle with UPI, scan receipts, and keep everyone in sync.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
COMPARISON
See the difference
Compare the features, free plans and ways to settle.
Waves
Your shared expenses, together.
Settle Up
Compared from public sources.
| Feature | Waves | Settle Up |
|---|---|---|
| Price | Free forever. Pro is ₹79/month or ₹699/year in India; other countries priced in the app store | Free with ads. Premium $3.99/month or $19.99/year (US App Store); ₹399/month or ₹1,999/year (India App Store); group plans too |
| Ads | Free is ad-supported: watch a short ad to earn credits. Pro: no ads | Free contains ads; Premium removes them |
| Works offline | ✓ | Yes, syncs later |
| Multi-currency | Every ISO 4217 currency, free. Fix the rate per bill, person or trip | Yes, with exchange rates |
| Receipt scanning | Yes: 2 credits a scan on Free, 300 scans a month on Pro | Receipt photos on Premium; scanning not listed |
| Voice entry | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Not listed |
| UPI hand-off | Opens your UPI app with the exact amount. For PayPal it opens a payment link; for Venmo, PayNow, Pix and others it shows the payee details to copy. Waves never holds money | Not listed |
| Data export | JSON, CSV and PDF. On Free an export costs 6 credits | CSV; Excel on Premium |
| Sharing without the app | Join a group from a link in a browser with no account (guest access is time-limited) | Share by link or QR; others can view balances without the app |
| Languages | English, Hindi, Tamil and Arabic (right to left) | 16 on iOS, no Indian language listed |
| Platforms | Android, iOS and web, plus Apple Watch and home-screen widgets | iOS, Android and web |
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Last checked October 2026. Scroll horizontally on smaller screens to compare all columns.
Pay your way
Waves opens your UPI app with the exact amount. Waves never holds money.
See how settling worksBring your history
Waves has no one-tap import from Settle Up, but it can import a CSV or spreadsheet. If Settle Up lets you export your group as one, download it.
See the move guideSwitch in 3 simple steps
Move from Settle Up to Waves
- 1
Start with your group
Waves has no one-tap import from Settle Up, but it can import a CSV or spreadsheet. If Settle Up lets you export your group as one, download it.
- 2
Bring it into Waves
In Waves, create a group, open it and choose Import. Waves reads the columns, you match each name to a person, and you review every row before anything is saved. Results depend on the file, so check the totals.
- 3
Continue in Waves
No export? Create the group, add the same people and start from today's balances, one expense per person. Waves exports its own data as JSON, CSV or PDF at any time.
Ready for your next shared expense?
Make the switch to Waves
Keep your groups, expenses and balances together.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
Why people switch to Waves
No ads on the money screens
Waves Free earns credits from short ads you choose to watch. Settle Up lists ads on its free version.
Export and scanning in the free app
Waves exports JSON, CSV and PDF and scans receipts on Free, paid for in credits. Settle Up puts receipt photos and Excel export on Premium.
UPI and Indian languages
Waves opens a UPI app with the exact amount, and offers Hindi and Tamil in the app and in voice.
Settle Up works offline, handles several currencies and shares groups by link or QR code. Its free version has ads and Premium removes them.
Waves does not put ads on money screens, adds receipt scanning and voice entry, and opens your UPI app to settle.
Where Settle Up is better
A long track record
Settle Up is well established and rated 4.8 from about 1.8K ratings on the App Store at the time we checked.
Pay once for one group
Settle Up sells per-group premium for a week, month, year or lifetime, which suits a single trip. Waves Pro is a subscription.
Statistics and recurring tools
Premium lists statistics, recurring and future expenses and custom categories.
Frequently asked questions
Does Settle Up have ads?
Its free version contains ads and Premium removes them, per its store listings. Waves Free is ad-supported through short ads you choose to watch; none appear on money screens.
Can I import from Settle Up?
There is no one-tap import. If it can export a CSV or spreadsheet, use Import inside a Waves group; otherwise start from today's balances.
Does Waves work offline like Settle Up?
Yes. Expenses are saved on the phone first and sync later.
Can people see balances without installing Waves?
Yes. A shared link or QR opens the group in a browser with no account, though guest access is limited in time.
Compare Waves with
Sources
- Settle Up on the App Store (US) (checked 25 October 2026)
- Settle Up on the App Store (India) (checked 25 October 2026)
- Settle Up on Google Play (checked 25 October 2026)
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Waves details: free plan and Pro features as described in the app and on this site; Pro-only items are marked. See something out of date? Write to hello@wavs.co.in.