Settle - Debt & Loan Tracker

Settle — the simple debt tracker and IOU manager for money owed to you and money you owe.

Settle is a debt tracker, loan manager, and IOU app in one — designed to help you track what you owe, track who owes you money, and stay organized without spreadsheets or sticky notes.

Whether you're managing a credit card balance, a bank loan, a car loan, or just keeping track of money lent to friends and family, Settle makes it simple to see exactly where you stand.

Track debts and loans in both directions
Unlike a typical expense tracker, Settle is a true two-way money tracker — see how much you owe and how much is owed to you, with a clear net balance at a glance. No more losing track of who owes what.

One-tap money tracking
Use the "Received" and "Gave" quick-action buttons to instantly log a payment or loan and update your balance — faster than any spreadsheet or notebook.

Full, editable transaction history
Every payment is saved and editable, so you always have an accurate loan and payment history.

Organize your debts and loans by category
Sort by type — Credit Card, Bank Loan, Auto Loan, Student Loan, Personal Loan, Mortgage, Medical Debt, and more — each with its own icon and color.

Due date reminders for loans and payments
Optionally set a due date on any debt or loan and get a reminder before payment is due — or skip dates entirely for informal IOUs.

Search and sort your debts
Quickly find any loan, debt, or IOU by name, or sort your list by amount, name, or category.

A money tracker in your language
Settle is available in English, Arabic, Spanish, Portuguese, German, French, Italian, Dutch, Japanese and Korean.

Private debt tracking
No account and no sign-up. Your debt records are stored only on your device and are never uploaded. The free version shows ads provided by Google AdMob.

Settle Pro
- No ads
- App lock with PIN or fingerprint
- Export your debts
- Insights about your debts and payments
- Color themes
One-time purchase. No subscription.

Whether you're paying off a loan, tracking money owed by friends, or just want a reliable IOU and debt manager, Settle keeps your finances simple, clear, and organized.

Download Settle today — the debt tracker, loan manager, and IOU app built for real life.

Recent changes:
- Settle now speaks 10 languages: added German, French, Italian, Dutch, Japanese and Korean
- Improved translations across the app
- Currencies like the Japanese yen and Korean won now show the correct format
- Small fixes and improvements