Settle Up

Best Self Hosted Alternatives to Settle Up

A curated collection of the 4 best self hosted alternatives to Settle Up.

Settle Up is a group expense and debt‑splitting app that records shared costs, tracks participants’ balances across trips or households, supports multiple currencies, and generates settlement suggestions and payment options to resolve who owes whom.

Alternatives List

#1
Spliit

Spliit

Open source Splitwise alternative to track shared group expenses, balances, reimbursements, categories, and receipt attachments, with optional AI receipt scanning.

Spliit screenshot

Spliit is a minimalist web application for tracking and splitting shared expenses with friends and family. It focuses on quick group setup, flexible splitting, and clear balances, with optional receipt features.

Key Features

  • Create groups for trips, events, gifts, and other shared budgets
  • Add expenses with descriptions and optional categories
  • Advanced splitting (uneven splits by amount, shares, or percentage)
  • Group balances to see who owes whom
  • Reimbursements to record repayments and optimize transfers
  • Search expenses within a group
  • Attach receipt images to expenses (optional S3-compatible storage)
  • Progressive Web App (PWA) experience
  • Optional AI-assisted receipt scanning and category deduction (requires OpenAI API)

Use Cases

  • Split travel costs across a group and settle up at the end
  • Track shared household expenses with roommates
  • Manage expenses for events (parties, gifts, club activities)

Limitations and Considerations

  • AI features (receipt extraction and category deduction) require an external OpenAI API key
  • Receipt attachments require configuring S3-compatible object storage

Spliit is well-suited for lightweight group expense sharing without the complexity of full accounting tools. It provides the core Splitwise-style workflow while remaining simple to deploy and use.

2.4kstars
371forks
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#2
IHateMoney

IHateMoney

IHateMoney is a lightweight web app to track shared expenses, balances, and settle debts for trips, roommates, and small groups.

IHateMoney screenshot

IHateMoney is a web application for managing shared expenses within a group. It records who paid for what and for whom, then computes balances to help the group settle up fairly.

Key Features

  • Create shared “projects” for a group budget without requiring user accounts for every participant
  • Track expenses with payer, amount, date, and participants/beneficiaries
  • Automatic balance calculation to show who owes whom
  • Simple, lightweight web interface designed to work well on mobile
  • Multiple storage backends supported, including SQLite, PostgreSQL, and MariaDB

Use Cases

  • Split costs for roommates (rent-related purchases, utilities, groceries)
  • Track shared spending during group trips and holidays
  • Manage ongoing shared budgets for small clubs or recurring activities

Limitations and Considerations

  • Project direction prioritizes simplicity and stability over major new features, with a more maintenance-focused roadmap

IHateMoney is a practical choice for groups that want a minimal, straightforward expense splitter with easy project-based sharing. It focuses on keeping setup and day-to-day usage simple while still covering the essentials needed to settle shared bills.

1.3kstars
285forks
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#3
Facto (Family Accounting Tool)

Facto (Family Accounting Tool)

Self-hosted web application to record family transactions, compute internal debts, and reconcile cash flow with category-based statistics and user management.

Facto (Family Accounting Tool) is a web application for tracking household and family finances. It records transactions, assigns beneficiaries and payment methods, computes internal debts between members, and provides cash flow reconciliation and category-based statistics.

Key Features

  • Record detailed transactions with beneficiary, payment method, and signed flow (income/expense)
  • Automatic internal-debt calculation to track who owes whom for shared purchases
  • Cash flow overview for reconciliation of physical and account balances with manual "set" and verification actions
  • Category and account model (members + common account) with special categories for accounting and endowments
  • Admin user management with command-line helpers to create admin user and initialize the database
  • Configurable via HOCON-style application.conf and a separate accounting-config.yml for preferences
  • Runs on Java 11 / JVM and uses a relational database (recommended MariaDB/MySQL); Docker Compose available for demo usage

Use Cases

  • Household budgeting and expense tracking across multiple family members and shared accounts
  • Tracking reimbursements and internal debts when one member pays shared expenses
  • Detecting unexpected or hidden banking costs via cash flow reconciliation and monthly statistics

Limitations and Considerations

  • Docker Compose is provided for demo/testing but is discouraged for production deployments; recommended production install uses the provided binaries and manual configuration
  • Requires Java 11 and a MariaDB/MySQL-compatible database; initial setup requires editing configuration files and running included server scripts
  • A default admin user is created during setup with a known initial password and must be changed for secure operation

Facto is a focused, minimal family accounting system intended for self-hosted use. It is suitable for families who want a structured way to split expenses, reconcile cash, and maintain simple internal bookkeeping without enterprise accounting complexity.

322stars
6forks
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#4
SpendSpentSpent

SpendSpentSpent

A minimalist self-hosted expense tracking web app for fast expense entry, categories, recurring items, household sharing, month/year charts, optional location and AI categorization.

SpendSpentSpent screenshot

SpendSpentSpent is a lightweight web application for tracking personal and shared expenses. It focuses on rapid expense entry, simple categorization, and clear visual summaries to help users monitor spending habits.

Key Features

  • Fast, minimal entry flow for adding expenses quickly
  • Create and manage expense categories and recurring expenses
  • Day-by-day expense view with optional location data per entry
  • Monthly and yearly charts to compare overall and category spending
  • Household support: create a household and share expenses with invited members
  • AI-assisted smart categorization of receipts and photos (AI components included)
  • Built-in MCP server to enable LLM-powered analysis of expense data
  • Packaged for self-hosting with Docker support

Use Cases

  • Personal budgeting and expense tracking for individuals
  • Shared household expense management for roommates or families
  • Lightweight bookkeeping and spending overviews for small teams or projects

Limitations and Considerations

  • No built-in bank account or payment-provider synchronization; transactions are entered manually
  • AI features may require additional model configuration or resources to run optimally
  • Intended for small teams/households; large-scale enterprise features (advanced multi-tenant controls, extensive reporting) are limited or not provided

SpendSpentSpent is suited for users who want a simple, privacy-focused expense tracker they can self-host. It emphasizes speed of entry, shared household workflows, and basic AI-assisted categorization while remaining easy to deploy with Docker.

70stars
9forks
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Why choose an open source alternative?

  • •Data ownership: Keep your data on your own servers
  • •No vendor lock-in: Freedom to switch or modify at any time
  • •Cost savings: Reduce or eliminate subscription fees
  • •Transparency: Audit the code and know exactly what's running