The best way to track sports bets in 2026 (depends on who you're betting)

"What's the best way to track sports bets?" is the wrong question in 2026. The right question is: which kind of bets are you trying to track? Because the apps that win for sportsbook tickets are the wrong tools for bets between friends — and vice versa.

Two categories, two best-in-class tools

Sportsbook trackers

For ROI on DraftKings, FanDuel, BetMGM, and the rest, you want a dedicated bankroll app that imports tickets, calculates closing line value, and surfaces unit performance over time. These apps optimize for one user, one ledger, against the books.

Peer-to-peer trackers

For bets you make with friends — the group chat, the league, the roommate — sportsbook trackers are the wrong shape. There's no ticket to import. There's no line to track. The only thing that matters is whether your friend agrees to the terms and pays when they lose.

What a great peer-to-peer tracker actually needs

• Both sides sign before the bet counts
• Permanent, timestamped receipts
• Per-rival running balance
• One-tap settle
• A reputation score so chronic ghosters get exposed
• Public profile for bragging rights and called shots

What's changed in 2026

The big shift this year: peer betting has finally outgrown iMessage. With more sports content moving to creator-led shows and group chats becoming the de facto sportsbook for Gen Z, the tracker market split in two. Solo bettors got better sportsbook tools. Social bettors got a category that didn't really exist three years ago.

The honest verdict

If you only bet sportsbooks, use a sportsbook tracker. If you bet with friends, use a peer-to-peer tracker. If you do both, run both — they're solving different problems.

For the peer side, that's what Settled is built for: signed bets, permanent receipts, per-rival ledgers, and an honor score that follows you across every bet you'll ever make with the same crew.