Settl: Split Bills by Voice

Split bills with friends in one sentence. Say it, scan it, Settl.

Settl is a bill splitter and group expense tracker built for the moment the check lands. Tap the mic, say what happened, and the expense is logged, split between the right people and converted to your currency in about a second. No forms, no calculator, no awkward group chat maths.

"Dinner was 240, the Sharmas had the wine, split the rest."
Logged. Itemized. Everyone owes exactly their share.

"From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday."
Two expenses, dated correctly, converted automatically.

SPLIT BILLS BY VOICE, BY RECEIPT, OR BY HAND
• Voice: one mic button on every screen. Say who paid, how much and who it was for.
• Receipt scanner: point the camera at a receipt and Settl reads the total and the line items, so you can split a bill item by item.
• Manual: prefer typing? Every expense, split and settlement still works by hand.

SPLIT EXPENSES ANY WAY YOU LIKE
• Split equally, by exact amounts, by percentage, by shares, or item by item
• Itemized splitting for shared dinners where not everyone had the same thing
• Multi-currency expenses with daily exchange rates, built for travel
• Comments on any expense to sort out the details

GROUP EXPENSES FOR EVERY KIND OF GROUP
• Trips and vacations: track every shared cost across the whole trip
• Roommates and shared houses: rent, bills, groceries and utilities
• Couples: keep shared spending fair without a spreadsheet
• Dinners and nights out: split the check before you leave the table
• 1-on-1 with a friend: no group needed

SETTLE UP WITHOUT THE AWKWARD BIT
• See who owes whom across every group in one clear balance
• Track IOUs and money you lent or borrowed
• Record a payment when someone pays you back and the balance updates instantly
• Settle up one expense at a time or clear the whole balance at once
• Invite friends with a link. They can join and see their share straight away.

SWITCHING FROM ANOTHER APP?
Import your groups and history from Splitwise in a couple of taps. Your balances come across intact.

WHY PEOPLE USE SETTL
You're not bad at money. You just hate asking for it. Every group dinner and every trip ends the same way: receipts on the table, half-typed payment requests, someone doing math in a notes app. Older expense-splitting apps solved the ledger. They never solved the chore of logging the expense in the first place, so people stop logging and the balances fall apart.

Settl removes the chore. You just say it. Start a group, share the link, and split your next bill before it even arrives.

Questions or feedback? [email protected]
Privacy: https://settl.fyi/privacy
Terms: https://settl.fyi/terms