Features

Small app. Big fairness.

Everything Settlecircle does, and how it does it. No ads, no fine print.

Circles & friends

A circle for every group

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.

  • Add friends once, use them in any circle
  • Split directly with one friend, no circle needed
  • See each friend's balance across all your circles
  • Optional email and phone for your own reference
Friends list showing Zoya, Kabir, Aarav and Meera with their balances
Splitting

Five ways to split anything

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

=EquallyEveryone who's in pays the same. Leftover cents are shared out one by one.
$Exact amountsType what each person owes. Settlecircle shows how much is left to assign.
%PercentSplit 60/40 or any mix, accurate to a hundredth of a percent.
×SharesTwo shares for the couple, one for everyone else. Great for rooms and rentals.
By itemAssign each item on the bill to the people who had it. Tax and tip are shared in proportion to what each person ordered.
Adding a $84 expense split equally four ways
Accuracy

Correct to the cent, every time

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.

  • $100 split three ways is $33.34 + $33.33 + $33.33, not $99.99
  • Balances are calculated from your full history every time, never stored, so they can't get out of sync
  • Edit an old expense and every balance updates instantly

Try the split calculator

A circle showing $924 spent by four people
Settling up

The fewest payments to get square

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.

  • Record full or partial payments
  • Settle with a friend across all circles in one go
  • A little confetti when a debt is cleared
  • Nudge: a reminder notification for friends on Settlecircle, or a message to paste into any chat
Suggested payments for a circle, such as Aarav pays you $189.13
Activity

Everything that happened, searchable

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.

  • Edit any expense or payment
  • Delete with one-tap undo
  • Notes and dates on every entry
Activity feed grouped by day with search and filters
And the rest

Thoughtful details

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.

9 currencies

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.

Light & dark

A warm cream look by day and a calm graphite look by night. Follows your phone, or pick one.

Gentle haptics

Small taps confirm what you did. Prefer quiet? Turn haptics off in Profile.

Made for every iPhone size

From iPhone SE to Pro Max, with support for larger text sizes and Reduce Motion.

Sample data

Not sure where to start? Load a ready-made example with three circles and four friends, then erase it when you're done.

Split together

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.

Sync across phones

Sign in with your email and a 6-digit code, and everything stays in step on every phone. No password.

Works offline

Add expenses on the plane and settle up on the beach. Changes sync when you're back online.

Private by design

No ads or tracking, and no account needed to start. Only the people you split with see what you share. How we handle privacy.

Supported currencies

USDUS Dollar $ INRIndian Rupee ₹ EUREuro € GBPBritish Pound £ AEDUAE Dirham AUDAustralian Dollar A$ CADCanadian Dollar C$ SGDSingapore Dollar S$ JPYJapanese Yen ¥

Split your next bill fairly

Free on iPhone and Android. No ads, no sign-up needed.

Download on theApp StoreComing soon toGoogle Play