Settle Up - Group Expenses
74
Quality Score
Strong
Settle Up - Group Expenses
by Step Up Labs, Inc.
Medium confidence
✍️ Bumetric analysis
“
Settle Up - Group Expenses is an iOS app from Step Up Labs, Inc. in the Finance category, currently rated 4.8★ across 1,599 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 74: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$6.3K
per month
→
12-mo forecast
$6.5K – $13.6K
per month
→
24-mo forecast
$8.0K – $24.1K
per month
MID tierFREE
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
87 snapshots on record
Rating
4.8
Reviews
1,599 reviews
Forecast Revenue / mo
$6.3K
Snapshots tracked
87
since Dec 2013
🤖Also on Android
$499/mo · 50K ratings · 4.7★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$180K
↳ What it cost to build · not monthly revenue
Likely range $135K – $245K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~2.4y at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (85 MB) | +$14K |
| ⚙ Finance complexity ×1.60 | +$38K |
| ⚙ 12.8y maintenance × ~1-person team | +$76K |
Total estimate
$180K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$150K
↳ What it would sell for · not monthly revenue
Marketplace range $100K – $200K · 24× MRR multiple
💸
~0.8× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 12.8y proven track record | +20% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
Final multiple
24× MRR
👥 Estimated audience size
67K
Lifetime downloads (US-equivalent)
Monthly active
6.6K
Daily active
2.6K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 12.8y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
39% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 85 MB |
| 🏷 Category context | Finance |
| 📦 Mid-large iOS bundle | → Likely native Swift / UIKit (pre-2020 era) |
💀 Maintenance status
Slowing
30%
Last shipped 2026-06-30 · 91 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 3 months since last update | Slowing cadence |
Verdict
Slowing
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$6.3K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
Direction
Headwinds: review-mined risks present
6 months
$5.9K – $9.9K
12 months
$6.5K – $13.6K
24 months
$8.0K – $24.1K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Stalled · 38/100MID TIERFREE (NO MONETIZATION)no growth momentumGrowth Velocity
5.0
Founder Strength
5.5
Product Quality
7.2
Revenue Strength
3.8
Monetization Maturity
0.5
Defensibility
4.5
Market Position
2.0
Operational Safety
2.3
- 💰 Revenue: Modest — $4K - $9K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.83★ across 1,599 reviews — solid.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: High — 2.7% refund mentions, scam/fraud mentions detected, bug mentions above category norm.
🎯 For competitors: Vulnerable. Quality drift + slow updates create a clear opening for a fresh competitor with active dev cadence.
💵 For acquirers: Estimated asking range 12-22× monthly = $75K-$137K. Portfolio play ($30K/mo combined) commands premium. Discount applied for operational risk..
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 11 of 11 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Paid app ($0.00)METRIC | +$2,800 | |
| subscriptionREVIEW | +$2,500 | |
| premiumREVIEW | +$2,200 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| excellent appREVIEW | +$1,500 | |
| Low install base (1,599 ratings)METRIC | +$1,500 | |
| Mature app (12y old)METRIC | +$1,500 | |
| Multilingual (24 languages)METRIC | +$1,500 | |
| too expensiveREVIEW | −$1,000 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v3.17.0
- Reworked receipt upload and display. Now with PDF receipts preview.
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Settle Up - Group Expenses
- Developer
- Step Up Labs, Inc.
- Bundle ID
- cz.bioport.SettleUp7
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- SQ, AR, CA, CS, DA, NL, EN, FI, FR, DE, HU, ID, IT, LT, FA, PL, PT, RU, SK, ES, SV, ZH, TR, UK
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $6.3K/mo
- Top-grossing rank
- 🇮🇳#38 /100 🇬🇧#96 /99
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth1,711 ratings+5800% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Top Countries — Grossing Rank2 countries
🇮🇳IN#38 /100
🇬🇧GB#96 /99
📊Category Rank Trajectory#38 now · best #38 · worst #39
Lower line = better rank · Estimate from ratings growth model · Lower position on chart = worse rank · Higher = top of chart
🚀Update Frequency · Releases per Quarter4 releases tracked
🚀Version Release Timeline4 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Settle group expenses without the stress.
Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner?
Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun.
Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances!
WHY SETTLE UP?… View full description on the official store →
Tired of messy IOUs, awkward money talks, and complex math after a trip or shared dinner?
Settle Up is the smartest way to track shared expenses and manage "who owes whom" instantly. From simple bill splitting to complex multi-currency adventures, we handle the heavy lifting so you can focus on the fun.
Perfect for travelers, roommates, couples, event organizers, and friends. Join over 2.5 million users who have simplified their shared finances!
WHY SETTLE UP?… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 85 MB🔞 4+📱 iOS 17.0+🔖 v3.17.0🔄 updated 3mo ago🌐 SQ, AR, CA, CS, DA +19📂 Finance💰 Paid🚀 Launched 2013 (12y old)
📅
What Worked™ · Development Pipeline
11 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-06
🔧
Shipped update — v3.16.4 → v3.17.0
→ 30 days after: revenue +$25.3K/mo · reviews +46 high confidence
2026-06
🔧
Shipped update — v3.16.3 → v3.16.4
→ 30 days after: revenue +$25.3K/mo · reviews +46 high confidence
2026-06
🔧
Shipped update — v3.16.2 → v3.16.3
→ 30 days after: reviews +30 high confidence
2026-05
🔄
Monetization changed: paid → free
→ 30 days after: reviews +22 high confidence
2026-03
⭐
Rating ↑ 3.41 → 4.70 (improved 1.29★)
2026-03
📈
Crossed 50 ratings — social-proof flywheel kicking in
2016-12
📈
Crossed 10 ratings — social-proof flywheel kicking in
2016-05
⭐
Rating ↑ 2.14 → 2.50 (improved 0.36★)
→ 30 days after: rating +0.28★ high confidence
2015-05
⭐
Rating ↓ 3.00 → 2.50 (dropped 0.50★)
2014-09
⭐
Rating ↑ 1.00 → 3.00 (improved 2.00★)
2013-12
🚀
First tracked snapshot — initial data captured
🗣
Voice of Customer
Based on 149 reviews across 8 markets● 56% positive · ● 13% neutral · ● 31% negative · Rating drift: -1.55★ (declining — recent 50: 3.28★ vs lifetime: 4.83★)
VADER compound sentiment per quarter (−1 = fully negative, +1 = fully positive). Each point ≥ 5 reviews.
Sentiment by country (−1 to +1)
🇺🇸 US
+0.47
🇬🇧 GB
+0.43
🇨🇦 CA
+0.32
🇦🇺 AU
+0.27
🇮🇳 IN
+0.23
🇫🇷 FR
+0.14
🇩🇪 DE
-0.09
🇧🇷 BR
-0.10
Top praise themes
muito bom ×4 behind paywall ×3 one ×15 trip ×12 easy ×10 friends ×9 super ×8 works ×8
Top complaint themes
free version ×4 old version ×4 facebook google ×4 new version ×3 pago compartido ×3 google facebook ×3 der gruppe ×3 die ×22
Risk signals
Refund mentions: 2.7% Bug mentions: 6% Fraud / scam mentions: 1.3%
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.70127★ | 472 | 4.70127★ this version |
| 🇧🇷 BR | 4.92974★ | 612 | 4.92974★ this version |
| 🇨🇦 CA | 4.79406★ | 471 | 4.79406★ this version |
| 🇩🇪 DE | 4.66404★ | 1,146 | 4.66404★ this version |
| 🇫🇷 FR | 4.78322★ | 143 | 4.78322★ this version |
| 🇬🇧 GB | 4.79767★ | 1,201 | 4.79767★ this version |
| 🇮🇳 IN | 4.76173★ | 1,897 | 4.76173★ this version |
| 🇯🇵 JP | 4.68571★ | 35 | 4.68571★ this version |
| 🇺🇸 US | 4.82275★ | 1,732 | 4.82275★ this version |
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Settle Up - Group Expenses: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why medium confidence: 1,599 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does Settle Up - Group Expenses make per month?▴
Based on our ML-calibrated revenue forecast, Settle Up - Group Expenses earns approximately $6.3K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is Settle Up - Group Expenses profitable?▴
With estimated build cost $180K and monthly revenue $6.3K, Settle Up - Group Expenses looks break-even-grade — payback period sits around 2.4 years. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does Settle Up - Group Expenses have?▴
Estimated audience: ~67K lifetime downloads, ~6K monthly active users, and ~2K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Settle Up - Group Expenses?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Settle Up - Group Expenses built with?▴
Our heuristic places Settle Up - Group Expenses on the Native iOS (Swift / UIKit) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is Settle Up - Group Expenses still actively maintained?▴
Maintenance status: Slowing (30% abandonment risk). Last shipped version was 3 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would Settle Up - Group Expenses sell for?▴
Estimated acquisition value: $150K (marketplace range $100K – $200K). Calculated as 24× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was Settle Up - Group Expenses last updated?▴
Settle Up - Group Expenses last shipped a new version on 2026-06-30 — 3 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Settle Up - Group Expenses?▴
Settle Up - Group Expenses is published by Step Up Labs, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Settle Up - Group Expenses's BU Score?▴
Settle Up - Group Expenses has a BU Score of 74/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.