Settl: Your AI agent for splitting expenses

Skip to download ↓

"Wait, who paid for the Uber?"

"I think Maya covered the airbnb??"

SUSHI HACHI

4× rolls .... $84.40

tax ............. $7.45

UBER 4:12 PM

Trip ...... $38.20

"Just venmo me $11.39?"

"+ tip + tax + my cocktail"

WHOLE FOODS

$142.18 · 11 items

Sushi dinner

You paid · Sunday Brunch · split 4 ways

$84.40

🍜Ramen · ¥1,200

🚄JR pass · ¥29,650

🏨Hotel · ¥48,000

🎁Souvenirs · ¥6,400

☕Coffee · ¥820

Japan, May '26

5 expenses · ¥86,070 → split 3 ways

≈ $580

221B Bowery · this month

Bob

−$42.10

Carol

−$88.45

Maya

+$12.50

Alice

+$118.05

Settl is thinking

Three transfers will close the loop. I'll route Bob and Carol to Alice: fewest hops, fewest awkward Venmos.

→

Bob pays Alice

$42.10

All settled.

You're square with everyone.

Your agent closed 7 expenses across 3 groups in 4 transfers. Sleep on it; we'll handle the next round too.

Settl iOS app showing the Groups overview screen with a list of trips and roommate groups, voice mic in the bottom tab bar.

The mess

Speak

Translate

Reason

Settle

In your hand

What your agent can do

It speaks money fluently.

Most apps make you fill in forms. Your agent listens to how you actually talk about expenses: fragmented, fuzzy, mid-sentence, and turns it into a clean ledger.

"Eighty bucks for ramen with Alice and Dev. Actually, make Dev's share double, he had two."

↓ Settl

Custom split · auto-detected

$80 · Alice 25% / You 25% / Dev 50%

Listens to the messy version.

Custom shares, exclusions, "I covered Maya's drink." Your agent parses the side-quests other apps make you tap through.

"From the Japan trip last month: eighty for ramen Tuesday, twenty thousand yen for the hotel, fifty for souvenirs."

↓ Settl

Bulk · 3 expenses logged

¥83,400 → Japan, May '26

Catches up after the fact.

Forgot to log the trip while you were on it? Dump everything in one breath. Your agent untangles dates, currencies, and the right group.

"Rent's the same as last month. Same split."

↓ Settl

Recurring · learned from history

$4,200 · 221B Bowery · 60/20/20

Remembers the patterns.

Rent, Netflix, the dog walker. Your agent learns the rhythm of your shared life and just keeps it running.

"How much does Carol owe me?"

↓ Settl

Net across all groups

Carol owes you $88.45

Answers the awkward questions.

Ask in plain English. Your agent reads across every group, every receipt, and tells you what's true, so you don't have to be the one asking.

Why an agent, not another app

Tap through a form, or just say it.

Other apps made the math easy. We made the input invisible. Here's what changes when expenses become a conversation.

Adding an expense

Other apps

Spreadsheet

Settl

Time per expense

~22 sec

~45 sec

~4-5 sec

Input mode

6 taps + form

Type in cells

One sentence, spoken

Custom splits

Manual sliders

Manual math

"Make Dev's share double"

Bulk catch-up

One at a time

Copy-paste

Whole trip in one breath

Currency math

Manual

VLOOKUP hell

Live, on the fly

Settling up

Pairwise list

DIY

Min-transfer routing

Six taps, or one sentence.
You pick.

Settl is live on iPhone, and the Android beta is open. iPhone installs in one tap; Android testers get a one-tap invite by email. The first 1,000 users get Settl free.*

*Free AI features (voice, scan) for our first 1,000 users, subject to fair-usage limits and our terms (which may change).

Get it on iPhone Join the Android beta

QR code: scan with your phone to install Settl

Scan to install on your phone or open settl.fyi/get on it

Your AI agent for
splitting expenses.

You're square with everyone.

Six taps per coffee? Just talk.

It speaks money fluently.

Listens to the messy version.

Catches up after the fact.

Remembers the patterns.

Answers the awkward questions.

Tap through a form, or just say it.

Six taps, or one sentence.
You pick.

You're square with everyone.

Six taps per coffee? Just talk.

It speaks money fluently.

Listens to the messy version.

Catches up after the fact.

Remembers the patterns.

Answers the awkward questions.

Tap through a form, or just say it.

Six taps, or one sentence.You pick.

Six taps, or one sentence.
You pick.