Smart categories
Nine ready-made categories, from Food & drink to Rent & home. Settlecircle picks one from the title as you type, and you can add, rename or recolour your own.
Everything Settlecircle does, and how it does it. No ads, no fine print.
Make a circle for a trip, your flat, the office lunch crew or a weekly dinner. Each one has its own people, expenses and balances, plus an icon and colour so you can spot it instantly.


Real bills are rarely even. Pick the method that matches what actually happened.


Settlecircle stores money as whole cents (or paise, or yen), never as floating-point numbers that drift. When a bill doesn't divide evenly, the leftover cents go to people one at a time, so every split adds up to exactly the total.


If Aarav owes Meera, and Meera owes you, there's no need for two transfers. Turn on Simplify payments for a circle and Settlecircle suggests the smallest set of payments that clears everyone.


The activity feed shows every expense and payment, newest first. Search by title, person, item or amount (type “84” or “$84.50”), filter by type or circle, and tap anything to see the full breakdown of who owes what.


Nine ready-made categories, from Food & drink to Rent & home. Settlecircle picks one from the title as you type, and you can add, rename or recolour your own.
Each circle has its own currency, so the London trip can be in pounds while the flat stays in rupees. Balances in different currencies are never mixed.
A warm cream look by day and a calm graphite look by night. Follows your phone, or pick one.
Small taps confirm what you did. Prefer quiet? Turn haptics off in Profile.
From iPhone SE to Pro Max, with support for larger text sizes and Reduce Motion.
Not sure where to start? Load a ready-made example with three circles and four friends, then erase it when you're done.
Add friends with a QR code or link, and everyone in a circle sees the same expenses and balances. Friends not on Settlecircle yet can be invited later.
Sign in with your email and a 6-digit code, and everything stays in step on every phone. No password.
Add expenses on the plane and settle up on the beach. Changes sync when you're back online.
No ads or tracking, and no account needed to start. Only the people you split with see what you share. How we handle privacy.
Free on iPhone and Android. No ads, no sign-up needed.