Track Expenses, Manage Debts & Stay in Control — 100% Offline

Settle Book is a private expense tracker, money manager, debt tracker, and subscription tracker designed to help you take control of your finances without compromising your privacy.

Unlike many finance apps, Settle Book doesn't require an account, doesn't read your SMS, doesn't connect to your bank, and doesn't upload your financial data. Everything stays securely on your device.

No login. No ads. No cloud. No tracking. Just your money, your records, and your privacy.

Whether you're tracking daily expenses, managing debts, monitoring subscriptions, or importing bank statements, Settle Book makes personal finance simple, secure, and completely offline.

💰 Expense Tracker & Money Manager

Track expenses, income, and cash flow with an intuitive expense manager built for everyday use.

• Record expenses and income in seconds

• Organize spending with custom categories

• Monitor daily, weekly, and monthly expenses

• Analyze spending habits with detailed reports

• View cash flow and financial insights

• Works completely offline

Whether you're managing personal finances, household expenses, or business spending, Settle Book helps you understand exactly where your money goes.

📊 Budget Planner & Spending Insights

Build better financial habits with clear reports and spending analysis.

• Monthly budget planning

• Spending tracker

• Expense analysis

• Financial reports

• Cash flow overview

• Personal finance insights

Understand your spending and make smarter financial decisions.

📒 Debt Tracker & Loan Manager

Keep track of money borrowed, money lent, repayments, and outstanding balances in one place.

• Track personal loans

• Record repayments

• Monitor remaining balances

• Manage debts with friends and family

• Maintain a private debt ledger

Never lose track of who owes you money or what you still need to repay.

🔔 Subscription Tracker & Bill Reminder

Manage recurring payments before they become unexpected expenses.

Track:

• Streaming subscriptions

• Utility bills

• Internet & mobile plans

• Insurance payments

• Gym memberships

• Software subscriptions

Stay informed about upcoming renewals and monthly subscription costs.

🏦 Offline Bank Statement Import

Import bank statements directly into Settle Book and analyze your transactions without sending data to external servers.

• Offline statement import

• Automatic transaction categorization

• Spending analysis

• Financial summaries

• Local processing only

Your bank data never leaves your phone.

🔒 Built for Privacy

Privacy is at the heart of Settle Book.

Unlike many finance apps, your financial information is never uploaded or shared.

✔ No account required

✔ No SMS permissions

✔ No bank account linking

✔ No cloud synchronization

✔ No ads

✔ No analytics tracking

✔ No data collection

✔ 100% offline

Your financial records remain completely private.

⭐ Why Choose Settle Book?

✔ Expense Tracker

✔ Money Manager

✔ Expense Manager

✔ Budget Planner

✔ Spending Tracker

✔ Debt Tracker

✔ Loan Manager

✔ Subscription Tracker

✔ Bill Reminder

✔ Income Tracker

✔ Cash Flow Manager

✔ Offline Bank Statement Import

✔ Personal Finance Organizer

✔ Fast & Easy to Use

✔ Dark & Light Theme

Perfect For

Whether you're a student, professional, freelancer, business owner, or managing a family budget, Settle Book helps you track expenses, organize debts, monitor subscriptions, import bank statements, and manage your personal finances in one secure place.

Download Settle Book today and enjoy a private, offline expense tracker and money manager that puts you in complete control of your finances—without ads, accounts, SMS access, or cloud storage.