Settles
Split Bills. Stay Friends
Free · Designed for iPad. Not verified for macOS.
No more awkward "who owes what?" moments. Settle does the maths, keeps everyone in the loop, and makes squaring up feel effortless.
Settle is the elegant expense tracker built for the way you actually live — roommates, couples, friends on trips, and families managing shared costs.
No more awkward "who owes what?" moments. Settle does the maths, keeps everyone in the loop, and makes squaring up feel effortless.
GROUPS FOR EVERY SITUATION
Create groups for any occasion: home & roommates, holidays & trips, couples, family, friends, or work projects. Each group has its own running balances, expense history, and settlement flow. Pin the ones you use most.
SPLIT ANY WAY YOU LIKE
- Equally between everyone
- By custom amounts per person
- By percentage
- By income, so costs are fair, not just equal
RECURRING EXPENSES
Set rent, Netflix, or utilities to repeat weekly, fortnightly, monthly, quarterly, or yearly. Settle tracks them automatically so nothing slips through the cracks.
170+ CURRENCIES, GLOBALLY
Travelling? Settle supports over 170 ISO currencies. Every amount always shows the currency code so there is never any confusion between $ symbols.
SMART SPENDING INSIGHTS
Settle surfaces what matters: category spending spikes, recurring costs annualised, opportunities to clear multiple group debts with one payment, and more.
SHARE AND SETTLE UP
Invite anyone with a secure one-time code. When you are ready to square up, Settle calculates the minimum number of payments to clear every debt and guides everyone through to confirmation. Add offline members for people without the app.
BUILT FOR PRIVACY
- Sign in with Apple, no username or password
- iCloud sync keeps your data on your devices
- Face ID and Touch ID app lock
- No ads. No subscriptions. Your data stays yours.
DESIGNED WITH CARE
Settle is built to feel calm and premium, not like a spreadsheet. Expense categories with icons, celebration animations when every debt is cleared, and full dark, light, and system appearance support.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Squashed some bugs
The developer, Nathan Southall, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Nathan Southall
- Size
- 26.1 MB
- Category
- Finance
- Compatibility
Requires iOS 26.4 or later.
- iPhone
Requires iOS 26.4 or later. - iPad
Requires iPadOS 26.4 or later. - Mac
Requires macOS 26.4 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.4 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Nathan Southall