Settly shows who owes what, splits trips, rent and receipts any way you like, and settles each group in the fewest payments.
iPhone and Android apps coming soon
How it works
Name the trip, home or dinner and invite people with a private link or QR code. Friends without an account can be added by name.
Type it in a few taps or scan the receipt. Split equally, by exact amounts, percentages, shares or individual items.
Settly works out the fewest payments that square everyone, then records them so the balance is always clear.
Features
See what you’re owed and what you owe across every group, and the simplest payments that settle each one. Each currency stays separate, so the total is never misleading.
Snap a receipt and Settly reads the merchant, date, total and line items on your phone. The photo never leaves your phone, and you can edit every detail before saving.
Equal, exact, percentages, shares or by item, with one or several payers. Remainders are assigned deterministically, so splits always add up to the cent.
And more
Expenses in any currency with the rate saved on the day, so history never shifts.
Add expenses anywhere. They sync safely when you reconnect, without duplicates.
Spending by category and month, and who paid versus their share.
Talk it through right next to the numbers, with reactions on every expense.
CSV exports, Splitwise import, and full account deletion whenever you want.
Start on your phone, finish on your laptop. Everything stays in sync.
Privacy first
Settly records who owes what. It never holds money, never connects to your bank, and never shows ads. Receipts are read on your device, and you can export or delete everything at any time.
Read the privacy policyFAQ
Yes. Unlimited groups and expenses, every split method, receipt scanning, settling up and exports are free, with no ads. Settly Plus adds extras like trip budgets and today’s exchange rates.
No. Settly never holds money or connects to your bank. Pay each other however you like, then record the payment so everyone’s balance updates.
No. Add people by name and split with them straight away. If they join later with an invite link, they see the group too.
Yes. Open Settly on the web and sign in with the same account you use on your phone.
Yes, one is on the way. It matches the iPhone app and uses the same account, so your groups and balances are the same on iPhone, Android and the web. Until it is out, the web app works in any phone browser.
Yes. Import a Splitwise CSV export into any group. The file is read in your browser and only the rows you confirm are uploaded.
Create a group in seconds. Your friends can join with a link.
Start splitting free
