Dibs vs Settle Up
A lighter Settle Up alternative for everyday debts
Settle Up covers complex shared expenses across groups and platforms. Dibs stays focused on fast personal IOUs, notes, balances, and reminders.
The short version
Use Dibs when the debt is personal, quick, and local.
Use Dibs when you need a quick private IOU record. Use Settle Up when a group needs advanced split rules and exports.
Choose Dibs if...
- You mostly track debts between two people.
- You want debt notes and balances stored locally.
- You need quick repeat logging, not a full shared-expense system.
- You want reminders for settling up without a social finance workflow.
Choose Settle Up if...
- You need weighted splits, multiple payers, incomes, or bill itemization.
- You need Windows and web support.
- You want read-only access to a group for people who don't log expenses.
- You want premium group expense features such as receipt photos.
Feature-by-feature
Dibs stays narrow on purpose.
Dibs One-to-one IOUs, casual loans, dinners, rides, tickets, and quick personal debt tracking.
Settle Up Complex shared expenses for travellers, flatmates, couples, event organizers, and groups.
Dibs No account required. Open the app and start logging debts.
Settle Up Cross-platform app with group sharing and optional sync or backup features.
Dibs Local-first. Your debts, notes, people, and reminders stay on your phone.
Settle Up Group data can be backed up and synchronized for shared access.
Dibs Amount first with a calculator keypad, then person, optional note, date, and reminder. Group bills split evenly or by custom amounts. Premium adds recurring debts and 18 currencies.
Settle Up Supports advanced cases such as weighted splits, multiple payers, incomes, and bill items.
Dibs Running totals and per-person balances answer who owes who without extra structure.
Settle Up Balances and settlement suggestions minimize transfers between group members.
Built for the repeat moment
Add it now. Settle it later. Know the balance anytime.
Dibs keeps each debt close to the thing you actually need later: the person, amount, note, date, settlement status, and reminder. No group setup is needed for a simple IOU.
Common questions
Before you choose between Dibs and Settle Up
Is Dibs a Settle Up replacement?
Dibs can replace Settle Up when your main workflow is one-to-one debt tracking. Settle Up is the better fit when you need advanced group expense management.
Does Dibs require an account?
No. Dibs is local-first and does not require account creation or cloud sync to log personal IOUs.
Can Dibs split group expenses?
Yes. Enter the total, pick who paid, and split it evenly or with custom amounts. Dibs then creates one debt per person. There are no shared group ledgers or syncing between phones: Dibs stays focused on personal IOUs and per-person balances.
Does Dibs handle recurring debts and other currencies?
Yes, with Dibs Premium, a one-time purchase. A recurring debt adds itself every week, month, or year, such as a rent share or a shared subscription. A debt can also be in any of 18 currencies, and Dibs keeps the exchange rate from the day you added it. Premium also lets you back up your debts to a file and restore them later.
If you mostly track personal IOUs, try Dibs.
Add debts in seconds, keep everything local on your phone, and stop relying on memory or awkward follow-up texts to settle up.
Download on the App Store Get it on Google Play