Your AI agent for
splitting expenses.

Six taps to log a coffee? Just say it. Tell Settl what you spent, out loud, in any language, and your agent does the math, the memory, and the awkward reminding.

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

01 / 08 · Voice capture

Just say it.
It’s logged.

Hold the mic and talk like a person. Settl listens, pulls out the amount, the people and the place, and turns it into a real expense.

I paid $25 for the massage in Thailand

02 / 08 · However you add

Voice, chat, scan,
or by hand.

Not in the mood to talk? Snap a receipt to describe it, type it into chat, or add it manually. Every path lands in the same place.

Voice · Chat · Scan + Describe · Manual

03 / 08 · Review

See it before
it saves.

Currency, group, who paid, how it splits. All pre-filled and editable. Nothing is logged until you tap confirm.

Group, payer & split · pre-filled

04 / 08 · Smart splits

Describe the
messy split.

Uneven shares, someone covered a round, one person had extra. Just describe it in the chat and Settl asks if anything’s unclear.

Eighty for ramen, but Dev had two bowls

05 / 08 · Multi-currency

Paid abroad,
tracked at home.

Log what was actually spent in any currency. Settl converts it and keeps the original on record, so the balance stays honest across a whole trip.

Paid $64.00 USD · tracked as €54.98

06 / 08 · Group balances

Know where
you stand.

Each group shows the total spent, your share, and a clear “you lent / you borrowed” on every line. No spreadsheet on the side.

Owed · total spent · your share

07 / 08 · Settle up

Close the loop,
simply.

When it’s time to pay up, Settl simplifies the tangle into the fewest transfers, then walks you through exactly who pays whom.

2 transfers clear the whole trip

08 / 08 · Invite

Add anyone
in a tap.

Share your code or a personal link. Friends scan, join, and start splitting. The balances pick up from there.

Scan the code, or share the link

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

Several screens of taps

Open laptop, find the sheet

About as long as saying it

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 launching soon. Drop your email and we'll tell you the moment it's ready. The first 1,000 on the waitlist get a year of Settl free.*

Settl is live on iPhone and Android. Install in one tap. The first 1,000 users get Settl free for a year.*

*Free for 12 months from signup for our first 1,000 users, subject to fair-usage limits and our terms (which may change).

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.

Eight things Settl handles for you.

Just say it.
It’s logged.

Voice, chat, scan,
or by hand.

See it before
it saves.

Describe the
messy split.

Paid abroad,
tracked at home.

Know where
you stand.

Close the loop,
simply.

Add anyone
in a tap.

Six taps per coffee? Just talk.

Tap through a form, or just say it.

Six taps, or one sentence.
You pick.

Eight things Settl handles for you.

Just say it.It’s logged.

Voice, chat, scan,or by hand.

See it beforeit saves.

Describe themessy split.

Paid abroad,tracked at home.

Know whereyou stand.

Close the loop,simply.

Add anyonein a tap.

Six taps per coffee? Just talk.

Tap through a form, or just say it.

Six taps, or one sentence.You pick.

Just say it.
It’s logged.

Voice, chat, scan,
or by hand.

See it before
it saves.

Describe the
messy split.

Paid abroad,
tracked at home.

Know where
you stand.

Close the loop,
simply.

Add anyone
in a tap.

Six taps, or one sentence.
You pick.