Pricing
Free to play. Pro to flex.
One transparent platform fee on cash bets. No bookie. No spreads. No surprise charges. No card required to start. Settled never touches your money — we just keep the receipt.
Free
For the friend group running 1 to 3 bets a month.
- Free for cash bets under $10
- 3.3% lock-in fee from each side on cash bets $10 and over, charged at bet creation, processing passed through
- Up to 10 active friends
- Public honor score and shareable receipts
Pro
Most popularPro pays for itself at 4 cash bets a month.
- 1.65% lock-in fee on cash bets (save 50% vs Free)
- Unlimited friends and active bets
- Streak insurance — one free skip per month
- Advanced honor analytics and rivalry breakdowns
- Priority support and early access to new card formats
Fantasy leagues are live.
Fantasy commissioners, run-club captains, and creator squads get a dedicated home court. Draft-pick predictions, early takes, weekly punishments, season-long standings, custom branding, and a league-only honor board — joining is free, only the commissioner needs Pro.
Pricing FAQ
What does it cost to make a bet?
Cash bets $10 and over carry a lock-in fee from each side, charged the moment the bet is locked in. Free users pay 3.3% per side. Pro users pay 1.65% per side, a 50% savings. Payment processing (2.9% + $0.30 from Stripe) is passed through transparently. Bets under $10, all challenges, and all predictions are completely free. On Free, a $50 bet costs $1.99 per side. A $100 bet costs $3.60. On Pro, a $50 bet costs $1.13 per side. A $100 bet costs $1.97. The bet stake itself stays between you and your friend.
How do you make money?
Two ways. Pro subscriptions are the core. A lock-in fee runs on cash bets $10 and over, charged when the bet is created (3.3% per side on Free, 1.65% per side on Pro). Challenges, predictions, and small bets stay completely free.
Does Settled hold my money?
Never. Every payout is friend to friend. We charge a small lock-in fee only when a cash bet locks in.
Can I switch to Pro later?
Yes. Upgrade or cancel any time from settings. Your honor score, friends, and history all carry over.
Are there fees on free-form bets (dinner, push-ups, bragging rights)?
No fees — honor-only bets never carry a lock-in fee. On Free you get 3 non-cash bets per month; after that, set a $10+ cash stake or upgrade to Pro for unlimited bragging-rights wagers.
What payment methods are supported?
Pro is billed via Stripe (cards, Apple Pay, Google Pay). Cash bets settle directly between friends with the apps you already use.