Pricing
Simple pricing for people sharing real expenses.
Free should be useful. Paid should feel obviously worth it. Settlwise keeps the model tight so users can understand when to upgrade and what changes when they do.
Casual sharing
Free
A generous entry point for occasional bills, nights out, and smaller shared groups.
Start with the essentials and upgrade when you need more structure.
Join waitlistFrequent organizers
Pro
For people who manage multiple groups and want better reporting, automation, and control.
$5/mo monthly or $48/year
Request Pro accessCouples and shared homes
Household
Designed for ongoing shared living with co-organizers, recurring rules, and monthly visibility.
$12/mo monthly or $108/year
Request Household accessOnly the organizer needs a paid plan to unlock advanced controls.
Free is strong enough for occasional use, dinners, and smaller groups.
Household is designed for recurring shared homes, not bloated team software.
Compare plans
A pricing table users can actually read.
The feature differences stay focused on usage limits, automation, exports, and shared household controls.
| Capability | Free | Pro | Household |
|---|---|---|---|
| Usage | 3 active groups | Unlimited groups | Unlimited groups |
| History | 90 days | Unlimited | Unlimited |
| Exports | Not included | CSV and PDF | CSV and PDF |
| Recurring expenses | Not included | Included | Included |
| Reminder rules | Basic | Advanced | Advanced |
| Co-organizers | Not included | Not included | Included |
| Monthly summaries | Not included | Not included | Included |
| Support | Standard | Priority email | Priority billing and onboarding |
Pricing FAQ
The policy and billing details that matter.
These answers are aligned with the billing language in the Terms and Refund Policy so users do not get conflicting information.
Do paid plans include a free trial?
Yes. Pro and Household include a 14-day free trial for first-time subscribers so you can test the workflow before you are billed.
Does everyone in my group need to pay?
No. The organizer who needs advanced controls or exports chooses the paid plan. Other participants can still join the group and review shared expenses.
Can I switch plans later?
Yes. You can upgrade, downgrade, or cancel from billing settings. Changes apply at the next renewal unless otherwise stated during checkout.
What happens when I downgrade to Free?
Your data stays associated with your account. Features outside Free limits become unavailable until you upgrade again, but we do not immediately delete your records.
Choose your plan
Start on Free. Upgrade when you need recurring structure, exports, or shared household controls.
The Free plan works well for casual use. Pro is the default upgrade for frequent organizers. Household is for ongoing shared homes where permissions and monthly visibility matter.