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.

Start on your own now; invite friends with a link whenever you like.

Your groups, each with its own balance
A trip group and its expenses, added by AI
Balances and who pays whom to settle up
Group stats: by category, by week, by person

From the bill to the split, step by step

Real screenshots from the app. You can also just say it out loud.

Snap the receipt

Take a photo of the bill.
AI reads every line and its price.
Tap who had what.
Saved, with each person's share.
1Take a photo of the bill.
2AI reads every line and its price.
3Tap who had what.
4Saved, with each person's share.

Or just write it

Write it the way you'd say it.
AI fills in amount, payer and who splits.
Saved to the group.
1Write it the way you'd say it.
2AI fills in amount, payer and who splits.
3Saved to the group.

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.

Comparison

Best apps to split expenses and track your spending (2026)

Splitwise, Tricount, Settle Up and Settlia, side by side.

Read article →
Personal finance

How to track personal and shared expenses in one app

Your real spending: yours + your share of every group, privately.

Read article →
Personal finance

How to track your spending from your bank statement

Categories, transfers and duplicates: your month, clear in minutes.

Read article →
Couples

How to split expenses as a couple (without fighting about money)

50/50, by income or a shared pot — how to pick and keep it fair.

Read article →
Travel

How to split group expenses in different currencies on a trip

Convert everything or keep balances per currency — which is fairer.

Read article →
Guide

How to ask friends to pay you back (without it being awkward)

Polite scripts and a system so you never have to chase again.

Read article →
Comparison

Tricount vs Splitwise vs Settlia: which bill-splitting app to use in 2026

Free limits, receipt scanning and currencies, compared honestly.

Read article →
Flatshare

How to split utility bills with flatmates fairly

Electricity, internet and water — fair rules and on autopilot.

Read article →
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
Less than $0.17 a day
Less than $0.25 a day
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

The per-day figure is indicative: it is the billed amount ($59.99 USD/year or $6.99 USD/month) divided out. You are charged up front, not daily. Taxes not included; the final price may vary by country.

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 (fair use), recurring expenses, reports and bank statement import.
Do my friends need the app?
Not to get started: create the group and log expenses on your own right now. When you're ready, send them a link; they join with a free account in seconds and balances sync for everyone.
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. On Android it works in the browser today — the Google Play version is 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.