Add expenses by typing or talking

Split bills, not friendships

Settle tracks shared expenses for trips, flats and dinners. Describe an expense in plain words, see who owes whom, and settle up in the fewest payments.

Made for every shared tab
RoommatesTripsCouplesFriendsTeamsEvents

What is Settle?

Settle is a shared-expense tracker that keeps every tab fair: log it in plain words, see who owes whom, and settle up in the fewest payments.

Splits that think

RAK

Describe an expense like a text message. Settle works out the shares and who paid.

Always balanced,
always clear

Balanced · ₹0

Live balances for every member, netted down to the fewest payments.

100%
hands-free

Auto · On

Rent and Wi‑Fi log themselves every month. Nothing to remember.

Features

Everything a shared wallet needs, nothing it doesn’t

Log an expense in a sentence. Settle does the maths, keeps the ledger and shows everyone where they stand.

AI expense capture

Type it like a text message

Settle reads plain language and turns it into a structured, split expense, ready for you to confirm.

Dinner at Toit ₹2,400, split with Riya and Aman
Dinner at Toit₹2,400.00
Food & DrinkSplit equally
You · Riya · Aman₹800 each
Receipt scan

Snap the bill, skip the typing

2 × Masala dosa₹360
1 × Filter coffee₹90
GST₹22.50
Total₹472.50
Smart categories

Sorted before you ask

FoodRentTravelUtilitiesGroceriesFun
Multi-currency

Travel abroad, settle at home

€45.00INR at today’s rate
Recurring expenses

Rent and Wi‑Fi, on autopilot

Flat rentMonthly · 1st
Wi‑FiMonthly · 5th
How it works

Three steps to even

Step 1

Create a group

Just you so far

Start a group for the flat, the Goa trip or date nights, and invite people with a link.

Step 2

Add expenses your way

Cab to airport ₹640, split with Kabir

Chat a sentence, scan a receipt or fill a form. Split equally, by shares or exact amounts.

Step 3

Settle up

Kabir pays you ₹4,600
You pay Kavya ₹1,420

Settle works out the fewest payments needed to clear every balance, then records them.

Split your way

Every split, your call

Pick how a bill is shared, keep an eye on what you spend, and let the whole group see the same numbers.

Budgets that
nudge you

Food · this month₹6,200 / ₹10,000
On track

Set a monthly limit for a category and watch it fill as you spend.

One ledger,
everyone in

Groceries₹3,180
RAK

Every member of a group sees the same expenses and balances.

Equal, shares,
percent or exact

Dinner at Toit · ₹2,400
YYou
₹800
RRiya
₹800
AAman
₹800
Everyone pays the same

Change the split and every share updates. Try the tabs.

Simplified debts

Fewer payments, zero awkward maths

When everyone owes everyone, Settle nets it all out. A tangle of IOUs becomes one or two transfers.

  • Live balances for every member
  • One-tap record of each settlement
  • Full history, nothing forgotten
Before
Aman owes Riya₹600
Riya owes Kabir₹600
Kabir owes Aman₹200
After Settle
Aman pays Kabir₹400
AI assistant

Ask your money anything

Chat with an assistant that knows your groups, balances and history. Get answers, insights and follow-up suggestions.

How much did I spend on food this month?
Your share of food this month is ₹6,240, mostly from the Flat group.
Flat
Goa trip
Friends
Who owes me the most?Compare with last month
Pricing

Free to split. Pro to go further.

Free
₹0forever
  • Unlimited groups and expenses
  • Simplified settle-up
  • Smart categories
  • AI expense capture
ProComing soon
Soon
  • Everything in Free
  • Receipt scanning
  • AI insights and assistant
  • Multi-currency and recurring
FAQ

Questions, answered

Does Settle move money?

No. Settle tracks who owes whom and records settlements. You pay each other the way you already do.

How does the AI understand my expenses?

Type an expense the way you would text a friend, or scan a receipt. The AI pulls out the amount, payer, people and category, and you confirm before anything is saved.

Can I split unevenly?

Yes. Split equally, by shares, by percentage or by exact amounts per person.

What about different currencies?

Add expenses in the currency you paid in. Settle converts them so balances stay in one currency for the group.

Who can see my group’s expenses?

Only the members of that group. People join a group by invitation.

Stop keeping score. Start settling.

Create your first group in under a minute.