A Settle Up alternative with no sign-in and no ads
Settle Up is a solid app with a lot of features. But its web app asks you to sign in, and the free version shows ads. Tabby does the core job, who paid and who owes who, from a private link that anyone in the group can open. Nobody signs in, including you.
Why people look for a Settle Up alternative
Signing in first
Settle Up's web app asks you to sign in with Google, Apple or email. That's fine for a long-running group, but it's a lot to ask for one weekend.
Ads on the free version
Settle Up's free version shows ads, and you pay for Premium to remove them. Tabby has no ads and no paid plan.
More app than the group needs
Receipts, recurring bills and charts are useful for flatmates. For a holiday or a night out, most groups just want a list of who paid and a total.
Tabby vs Settle Up
Settle Up has more features. Tabby is quicker to get a whole group using it.
| Tabby | Settle Up | |
|---|---|---|
| Account | None, not even for the person who sets it up | The web app asks you to sign in with Google, Apple or email |
| App to install | No, it works in any browser | iPhone and Android apps, plus a web app |
| Ads | None | Shown on the free version, removed with Premium |
| Price | Free | Free with ads, or Premium as a subscription or a one-off group purchase |
| Currencies | One per tab: £, € or $ | All currencies, with exchange rates |
| Ways to split | Equally, between everyone or chosen people | Weighted shares and several payers on one expense |
| Works offline | No, it needs a connection | Yes, and syncs later |
| Best for | Trips, holidays and one-off spends with mixed groups | Long-running groups like flatmates and couples |
How Tabby works
-
1
Create a tab
Give it a name and pick £, € or $. You get a private link straight away.
-
2
Share the link
Drop it in the group chat. Each person opens it in their browser and picks their name.
-
3
Add what you paid
Whoever pays adds it. Split it between everyone or just the people involved.
-
4
Settle up
Tabby works out who owes who and the simplest way to pay each other back. Send a bank transfer and mark it settled.
When Settle Up is the better pick
- You share bills every month with the same people and want recurring expenses.
- Your group spends in several currencies and wants them converted.
- You need weighted shares, like a couple paying double.
- You'll often be without signal and need to add expenses offline.
More comparisons and guides
Questions
Do I need an account to use Tabby? +
No. Nobody in the group needs an account, including the person who creates the tab. You get a private link straight away.
Does Settle Up need an account? +
Settle Up's web app asks you to sign in with Google, Apple or email so it can back up and sync your groups. Tabby doesn't ask anyone to sign in.
Is Tabby free? +
Yes. There's no paid plan and no ads.
Can I split costs between only some of the group? +
Yes. When you add an expense, choose the people it was for. Everyone else stays out of it.
Can I use Tabby in pounds? +
Yes. Pick £ when you create a tab. Euros and dollars are there too, one currency per tab.