Settle Up
An ad every third expense
The free version interrupts you with ads while you log a trip.
Monesto
No ads
Add as many expenses in a row as you like.
Settle Up alternative
Log three expenses. Watch zero ads.
Settle Up’s free version shows an ad after every third expense, and categories and charts are Premium. Monesto’s free plan includes both, without ads.
Open in TelegramiPhone app coming soon
Settle Up
Advertisement
Your expense will be saved after the ad.
Monesto · saved, no ad
What Settle Up users run into
Settle Up
Categories are Premium
Sorting expenses into categories requires a subscription.
Monesto
Categories included
Pick a category as you add an expense, on the free plan.
Settle Up
Charts are Premium
Seeing where the group’s money went costs extra.
Monesto
Analytics included
Weekly and monthly breakdowns by category.
Side by side
| Feature | Settle Up | Monesto |
|---|---|---|
| Ads on the free plan | Yes | No |
| Expense categories | Premium | Included |
| Charts | Premium | Included |
| Personal budgets | No | Yes |
| Works inside Telegram | No | Yes |
Based on publicly available information about the free plans, October 2026. Simplify debts in Monesto is a Premium feature.
Switching takes one evening
- 01
Settle what’s open
Close the current balances in your old app so everyone starts from zero.
- 02
Create the group
Open Monesto in Telegram or on iPhone and invite the same people.
- 03
Log the next bill
From here on, every expense goes into Monesto.
Your next trip, without the ad breaks
Open in TelegramiPhone app coming soon