Group expenses,
drama-free.

Powered by AI

No more tracking expenses by hand or working out who owes who. Type it, say it out loud or snap the receipt — Settlia turns it into an expense, splits it among your friends and settles up in seconds.

Settlia Settlia
Your groups
80
Rome dinner
4 · 74,50 $ · 1
+18,75
100
Flat share
4 · 398,40 $ · 4
settled
60
Beach weekend
5 · 612,00 $ · 9
−24,30
Settlia
Group
Rome dinner
↓ 0,00 $ ↑ 18,75 $
80
Settle Score
S A P J
ExpensesBalancesStatsAchievements
Italian dinner
Siena paid · among 4 · Mar 15
74,50 $
Add an Expense
“Italian dinner, Siena paid 74.50, split among the 4 of us”
Text Voice Scan
AI created
Italian dinner
Siena paid · among 4
74,50 $
Rome dinner
S A P J
ExpensesBalancesStatsAchievements
To settle up
PPatrickpaysSSiena18,75 $
Payment details on “Pay”
PayIDsiena@bank.comCopy
Bank062-000 · 1234 5678Copy
PayMark paid
Notifications
Alexa added “Taxi” (32.00 $)
in Rome dinner · 2m
Patrick paid 18.75 $ to Siena
in Rome dinner · 1h
Someone requested a review of “Groceries”
in Flat share · 3h
John joined the group
in Beach weekend · 1d
Rome dinner
S A P J
ExpensesBalancesStatsAchievements
Total spent
74,50 $
Per person
18,63 $
Paid by person
SSiena74,50 $
AAlexa0,00 $
PPatrick0,00 $
JJohn0,00 $

Three ways to add an expense

Type it, say it, or snap the receipt — AI turns it into a split.

Text
“Dinner with Alexa and Patrick, I paid 90, split three ways.”
AI understands it
Dinner
Patrick paid · among 3
90,00 $
1Type it in plain words.
Voice
“Alexa and I shared the Margherita, Patrick had the carbonara, wine between everyone.”
AI assigns each item
SA Margherita6,25 each
P Carbonara13,50
SAPJ Wine4,50 each
2Or just say it out loud.
Scan
Receipt
Pizza Margherita12,50
Carbonara13,50
House wine18,00
+3 more items30,50
AI reads items and prices
3Or snap a photo of the receipt.
Final split
S Siena22,00 $
A Alexa17,75 $
P Patrick21,75 $
J John13,00 $
Verified · 74,50 $
AI splits it and everyone confirms.

Everything your group needs

Create groups in seconds

One group for the trip, one for the flat, one for dinners. Each with its own accounts and currency.

Scan the receipt

Snap a photo and AI reads the items and prices. Mark who had what and you're done.

Expense by voice or text

“Dinner with Alexa and Patrick, I paid 90.” Settlia interprets it and splits between the right people.

Verification & clear balances

Instant balances, the fewest payments to settle, and two-sided confirmation when paying.

From the blog

Guides to splitting expenses, drama-free.

Travel

How to split travel expenses without arguments

A simple, fair method to split trip costs among friends.

Read article →
Flatshare

Flatmate expenses: a fair split every month

Rent, groceries, bills and the shared streaming account — fair, without spreadsheets.

Read article →
AI

Split bills with AI: scan the receipt or just say it

How AI turns a photo or a spoken sentence into a split expense.

Read article →
Guide

Best app for group shared expenses (2026)

What to look for in a group expense app, and why Settlia stands out.

Read article →
Comparison

Splitwise alternative: a free bill splitter with AI receipt scanning

What to look for in a Splitwise alternative, and how Settlia compares.

Read article →
Restaurant

How to split a restaurant bill by item — who ordered what

Split by item, with tax and tip, in seconds — no calculator.

Read article →

Simple pricing

Start free. Go Pro when you need it. Prices in USD.

Save 28%
Free
$0
Forever, no card
Start free
  • Up to 3 groups · unlimited members
  • Manual splitting & balances
  • Simplified payments (fewest transfers)
  • Achievements & gamification
  • AI: 3 scans + 3 voice + 3 prompts / month
Most popular
Pro
$4.99/mo
$6.99/mo
Billed $59.99 USD/year
Billed monthly in USD
Start 7-day trial
7-day free trial · card required · cancel anytime
  • Everything in Free, plus:
  • Unlimited groups
  • Unlimited AI: receipts + voice
  • Recurring expenses
  • Advanced stats & export

Frequently asked questions

Is Settlia free?
Yes. The free plan includes up to 3 groups, unlimited members, splitting and balances, and 3 AI uses per month of each type (scan, voice and text). Pro adds unlimited groups, unlimited AI, recurring expenses and advanced stats.
Do my friends need the app?
Yes. Each member uses Settlia with their own free account, so balances stay in sync for everyone. You invite them with a link; it takes seconds to join.
How does the AI work? Is it reliable?
You type, speak, or photograph the receipt and the AI builds the expense. It always shows what it assumed and you confirm before saving — you have the final word.
Does Settlia handle the money?
No. Settlia works out who owes who and shows each person's payment details; you pay with your own banking app. We don't process or hold money.
Does it work for a flatshare?
Yes. Create the group as “Household”: continuous accounts, recurring expenses (rent, internet) and reminders to settle when it's time.
Is my data private and secure?
Yes: encrypted in transit, row-level security (you only see your own groups), and you can delete your account anytime. More in the privacy policy.
Can I install it on my phone?
Yes. Settlia is a PWA: open it in your browser and “Add to home screen”. It's also available on the App Store, with the Google Play version on the way.

Can't find what you're looking for? Email us at hello@settlia.app.

Stop chasing your friends for money.

Create your first group free. No card, no fuss.