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PDF-XChange Viewer vs Settle Up

Professional comparison and analysis to help you choose the right software solution for your needs.

PDF-XChange Viewer icon
PDF-XChange Viewer
Settle Up icon
Settle Up

PDF-XChange Viewer vs Settle Up: The Verdict

⚡ Summary:

PDF-XChange Viewer: PDF-XChange Viewer is a free PDF reader and editor for Windows. It provides basic PDF viewing and annotation features like adding text notes, highlights, shapes, freehand drawing, and more.

Settle Up: Settle Up is a free personal finance app that makes it easy to track shared expenses, balances, and payments with friends, family, roommates, or anyone else. It simplifies splitting bills, tracking IOUs, and figuring out who owes who money.

Both tools serve their respective audiences. Compare the features, pricing, and user ratings above to determine which best fits your needs.

Last updated: May 2026 · Comparison by Sugggest Editorial Team

Feature PDF-XChange Viewer Settle Up
Sugggest Score — —
Category Office & Productivity Home & Family
Pricing Free —

Product Overview

PDF-XChange Viewer
PDF-XChange Viewer

Description: PDF-XChange Viewer is a free PDF reader and editor for Windows. It provides basic PDF viewing and annotation features like adding text notes, highlights, shapes, freehand drawing, and more.

Type: software

Pricing: Free

Settle Up
Settle Up

Description: Settle Up is a free personal finance app that makes it easy to track shared expenses, balances, and payments with friends, family, roommates, or anyone else. It simplifies splitting bills, tracking IOUs, and figuring out who owes who money.

Type: software

Key Features Comparison

PDF-XChange Viewer
PDF-XChange Viewer Features
  • View, edit, and create PDF files
  • Annotate PDFs with highlights, notes, shapes, stamps, etc
  • OCR to make scanned PDFs searchable and editable
  • Digital signature support
  • Form filling
  • Tabbed document interface
  • Customizable interface and toolbars
  • PDF compression and optimization
  • PDF splitting and merging
Settle Up
Settle Up Features
  • Track shared expenses
  • Split bills
  • Track IOUs
  • Track balances and payments
  • Figure out who owes who money

Pros & Cons Analysis

PDF-XChange Viewer
PDF-XChange Viewer

Pros

  • Free and open source
  • Lightweight and fast
  • Intuitive and easy to use
  • Lots of annotation and editing tools
  • Supports many PDF formats
  • Active development and updates

Cons

  • Limited OCR capabilities in free version
  • Lacks some advanced features of paid alternatives
  • Occasional bugs or stability issues
  • No mobile app versions
  • Steep learning curve for some advanced features
Settle Up
Settle Up

Pros

  • Free
  • Easy to use
  • Good for tracking shared expenses
  • Helpful for splitting bills and tracking IOUs

Cons

  • Limited features compared to paid finance apps
  • Not ideal for complex finances
  • Requires other parties to use the app as well

Pricing Comparison

PDF-XChange Viewer
PDF-XChange Viewer
  • Free
Settle Up
Settle Up
  • Not listed

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Learn More About Each Product

PDF-XChange Viewer
PDF-XChange Viewer
Reviews, pricing & alternatives →
Settle Up
Settle Up
Reviews, pricing & alternatives →

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