Setto: Expense Sharing

Split expenses with friends, roommates, and travel groups — without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO • Apple Watch: log expenses and check balances from your wrist • Split any way: equal, percentage, exact amounts, or custom shares • Smart debt simplification across all your groups • AI entry: type naturally or use voice (“dinner 40 with Sam”) • On-device receipt scan — merchant and amount, privately on your phone • Nudge friends politely when something’s still open • Real-time activity feed for expenses, edits, and settlements • Cross-group balances so you always know the full picture • Offline-ready — add and view expenses, sync when you’re back • Reports: monthly charts, categories, PDF/CSV export • Trip mode: budgets, default splits, multi-currency • Recurring expenses for rent, subscriptions, and regular bills • Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.