SettleUp is the simple, private way to keep track of shared expenses — with flatmates, friends, family, on trips, or for any project. Keep an account just for yourself, or share it so everyone stays in sync.

Add an expense and choose who it was for. SettleUp shows a clear picture of who has to give and who has to get — no spreadsheets, no mental maths, no awkward chasing.

Every account starts private on your phone. Use it as your own record — what you spent and who needs to pay you back. When you're ready, share an account or a group so the others can see it too. Nothing is shared until you choose to share it.

WHY SettleUp
• Nothing locked. Every feature, for everyone — whether it's one person or a whole group.
• Private by default. Keep an account to yourself, or share it only when you want to.
• Works like a chat app. Once an account is shared, one person adds an expense and everyone sees it.
• Your data is yours. We never sell your information, and we match contacts privately — phone numbers never leave your phone.
• Works offline. Add expenses and check balances with no internet — everything syncs when you're back online.

WHAT YOU CAN DO
• Track with one person — keep a simple record between you and someone else, private or shared.
• Split with a group — share costs fairly, with each person's part kept clear.
• Record payments — when money changes hands, mark it so balances stay correct.
• Send reminders — a gentle nudge over WhatsApp or SMS, in a tap.
• Add receipts & notes — attach a photo or a voice note to any expense.
• See reports — a clean summary for each person or group, ready to share.
• Automatic backup — sign in once, and your data is safely backed up and restored on a new phone.
• Your language — use SettleUp in English, Hindi, Urdu, Pashto, Arabic, Spanish, and more.

PRIVACY FIRST
Your accounts are private to you and the people you choose to share with. You sign in once so your data can be backed up and restored, but every feature keeps working offline. We never sell your data, and we don't profile your spending.

SettleUp doesn't move money — it just keeps the record straight, so settling up is simple and fair.