Setto is a smart expense-sharing app for friends, roommates and travelers worldwide — split bills, track group debts and settle up without the awkwardness.

No more IOUs. No more awkward asks.

Whether you're splitting rent with roommates, tracking a trip, or dividing a dinner bill — Setto keeps everyone on the same page.

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SPLIT SMARTER
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• 4 split modes: Equal, Percentage, Exact amount, or Custom shares
• Smart debt simplification — minimizes the number of transactions needed to settle up across all groups
• Cross-group balance overview so you always know exactly who owes what

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AI-POWERED EXPENSE ENTRY
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• Smart Entry: type naturally ("500 for dinner with Rahul") and Setto fills in the details automatically
• Voice input: speak your expense hands-free using the built-in mic
• Receipt scanning: snap a photo and Setto extracts the merchant name and amount instantly (on-device, no data sent to cloud)

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STAY IN THE LOOP
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• Real-time activity feed across all your groups — expenses, edits, settlements and member events
• Nudge friends who haven't settled — politely, with one tap (rate-limited to once per 72 hours)
• Push notifications for new expenses, settlements and nudges

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TRACK & REPORT
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• Monthly spending chart with 6-month history
• Category-wise spending breakdown with a visual pie chart
• Export your data as PDF or CSV — share via WhatsApp or email
• Set up recurring expenses (daily / weekly / monthly / yearly) so regular bills log themselves

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BUILT FOR YOUR GROUPS
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• Group types: Home, Trip, Couple, Other
• Invite members via a shareable link or directly from your contacts
• Custom group photos and names

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OFFLINE-READY
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• Add and view expenses even without an internet connection
• Syncs automatically the moment you are back online

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SECURE & PRIVATE
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• Sign in with Google or your phone number (OTP)
• All data protected by Firebase security rules
• On-device AI — receipt scanning and smart entry run entirely on your phone
• No financial data is ever sold or shared with third parties

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Setto is free to use. Sign in with Google or your phone number and start splitting in seconds.

Privacy Policy: https://www.getsetto.com/privacy
Terms of Service: https://www.getsetto.com/terms
Website: https://www.getsetto.com
Support: support@getsetto.com