NEVER LOSE TRACK OF IOUs
Log what you lent or borrowed in seconds. Single payments or installment plans, with optional interest calculated automatically. See exactly what's outstanding, who's behind, and what's already settled, all in one ledger.
SPLIT BILLS WITHOUT THE SPREADSHEET
Snap a photo of any receipt and Settled reads the items for you. Assign items to whoever ordered them, split shared plates evenly, and let tax, tip, and discounts divide themselves proportionally. Everyone's exact share, done before your food gets cold.
YOUR RECEIPTS NEVER LEAVE YOUR PHONE
Receipt scanning runs entirely on-device with Apple Intelligence. Nothing is uploaded to a server to be read. Your spending stays private by design, not by policy.
LOCKED TO YOU
Protect your ledger with a PIN, Face ID, or Touch ID. Who owes you what is nobody else's business, even if someone picks up your device.
ONE SCREEN, EVERYTHING THAT MATTERS
Open the app and immediately see your net balance, what's due soon, your most recent activity, and how many open loans or receipts you're juggling. No digging through tabs to find out where you stand.
YOUR BALANCE, RIGHT ON YOUR HOME SCREEN
Add widgets to see your net balance, what you're owed, and what you owe without opening the app. Tap a Quick Actions widget to jump straight to logging a loan, a receipt, or a recurring payment.
BILLS THAT COME BACK
Track subscriptions and recurring bills alongside your loans. Weekly, monthly, or yearly, nothing recurring catches you off guard.
SETTLE UP, THE EASY WAY
Record a payment the moment it happens. Remind someone via text with one tap. When it's time to collect, export a clean, itemized breakdown image you can send to anyone, even if they don't have the app.
GROUPS, PEOPLE, AND YOUR BALANCE WITH EACH
Organize who you split with into groups: roommates, trip crews, the office lunch chat. See your running balance with every person at a glance.
IPHONE, IPAD, AND MAC
Settled runs on iPhone, iPad, and Mac (Designed for iPad), with layouts built for each screen. Split the bill on your phone at dinner and review your balances on your Mac the next morning. Everything syncs privately through iCloud. No account to create, no password to remember.
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Feature list:
- Log loans & IOUs: either direction, single payment or installments, with optional interest
- AI-powered receipt scanning, entirely on-device: no cloud upload (Requires devices that support Apple Intelligence)
- Itemized bill splitting with proportional tax/tip/discount allocation
- App lock with PIN, Face ID, or Touch ID
- Home dashboard: net balance, due soon, recent activity, at-a-glance stats
- Home Screen widgets: balances, stats, and quick actions
- Recurring payment & subscription tracking (weekly/biweekly/monthly/yearly)
- Payment history & one-tap "remind via text"
- Shareable, exportable itemized receipt breakdown images
- Group and contact management with per-person balances
- In-app notifications when a loan or recurring payment is due
- Available on iPhone, iPad, and Mac (Designed for iPad)
- Private iCloud sync across your devices
- Currency selection support
