Settle: Debt, Loan & IOU

Settle is a simple debt tracker for money you owe and money owed to you. Never forget who owes you — or who you owe.

Lent money to a friend? Borrowed from family? Paying off a credit card or a car loan? Settle keeps every debt, loan and IOU in one place, so you always know exactly where you stand. No account, no spreadsheets, no sticky notes.

TRACK BOTH DIRECTIONS
See what you owe, what you're owed, and your net balance at a glance. If someone overpays, Settle flips the debt automatically.

LOG PAYMENTS IN ONE TAP
Tap "Received" or "Gave" to record a payment instantly. Every transaction is saved in a full history you can edit anytime.

SEND A FRIENDLY REMINDER
Someone forgot to pay you back? Send a polite reminder with the amount and due date through WhatsApp, SMS or any messaging app.

NEVER MISS A DUE DATE
Add an optional due date and get notified before it's due. Mark it as paid or snooze it right from the notification. Informal IOUs don't need a date at all.

STAY ORGANIZED
12 categories — credit card, bank loan, auto loan, student loan, mortgage, medical, personal and more — each with its own icon and color. Search, sort and filter in seconds. Add an interest rate, minimum payment and notes when you need them.

ANY CURRENCY, YOUR LANGUAGE
Use any currency, in English, Arabic, Spanish, Portuguese, German, French, Italian, Dutch, Japanese or Korean. Light and dark mode included.

PRIVATE BY DESIGN
No sign-up. Your data stays on your device and is never uploaded.

SETTLE PRO — one-time purchase, no subscription
- No ads
- App lock with PIN or fingerprint
- Back up all your data (restoring is always free)
- Export to PDF or CSV, including a debt's full payment history
- Insights: monthly payments, progress and top debts
- 5 extra color themes

The free version shows ads.

Whether it's a big loan or a small amount lent to a friend, Settle makes sure nothing gets forgotten.

Recent changes:
Smoother, more reliable experience.
Bug fixes and performance improvements.