For when "GPay kar de na" gets old

Split the bill, not the friendship.

Log a ₹4,200 dinner in 5 seconds. Settle in one tap of UPI. Settld remembers exactly how you split — so the money part of friendship quietly disappears.

Coming soon to your phone
entry — 23 May 2026
split · equally
01
Amount
₹
02
Split with
4
Everyone owes
₹1,050each
typed in 4.8s · total ₹4,200 • saved to khata
A few things we believe

How we think
about your money.

Settld is built on a handful of stubborn beliefs about how an expense app should treat the people using it. None of them are radical. All of them shape every screen.

01 — No caps, ever

Even the ₹40 chai counts.

Free tier. No daily limit. No upgrade nag. Log a ₹4,200 dinner the same way you log a ₹40 auto.

02 — Real-time, always

Splits land before the bill does.

10s instant.
03 — No ads, anywhere

No ads. Not now, not ever.

300 × 250
[ ad slot ]
reserved · forever
08 — Offline-first

Works on flight mode.

04 — UPI is the settle button

Settle in your bank app, not a chat.

₹1,050
CRED
✓
settled · 9:42 pm
05 — It learns. Quietly.

Knows you always pay for chai.

you · 60% aarav · 40%
↩ pre-filled from your last 3 splits with aarav
06 — Designed like a product

Looks nothing like a bank statement.

Spreadsheet energy
Aarav   ₹1,050.00  PENDING Priya     ₹612.00  PENDING Rohan    ₹340.00  SETTLED Kabir    ₹180.00  PENDING
Settld
A
Aarav
2 splits · today
₹1,050
owes you · settle up →
07 — Honest pricing
Caps, not locks.
free tier pro lifts the ceiling
Free tier has usage limits, never feature locks. Pro lifts the ceiling when you outgrow them.
A typical Tuesday

"₹4,200 dinner at Farzi Cafe. Four friends. Aarav paid the bill. Now everyone's pretending to do mental math while the waiter hovers."

— Every group chat, every weekend
In Settld:
tap → amount → done

Aarav paid the bill. Priya doesn't drink. Rohan owes you from last time anyway. None of this is a spreadsheet problem.

Where
🍜 Farzi Cafe
Amount
₹
With
Y You A Aarav P Priya R Rohan
Split
Split equally · 4 ways ₹1,050 each
4
The best button in the app

Then you tap Settle.
And everything just
goes away.

One tap opens UPI with the exact amount, the right friend, and the note already filled in. (Yes, try the button below.)

A
Aarav Mehta Goa Airbnb · 6 ways
₹1,050
Tap to settle ↑ go on, try it
It learns. Quietly.

Logged the same split three times? We get it.

After a few orders, Settld notices your patterns and quietly offers the right defaults. The Swiggy is always 4 ways with the flat. The Uber to office is always you and Priya. You stop typing.

5s
average log time
1.2
taps to settle
0
awkward reminders sent
You · Tue 9:42 PM
Logged: Swiggy ₹728, split 4 ways with the flat
You · Wed 9:55 PM
Logged: Swiggy ₹612, split 4 ways with the flat
Settld · Fri 9:14 PM
New Swiggy order detected — splitting 4 ways with the flat, like usual?
You · Fri 9:14 PM
Yes. One tap. Done.
The moments we built for

Money is awkward.
Friendship shouldn't be.

01 / FridayGoa
"₹26,400 Airbnb. Six of us. One person paying the deposit at 2am."
trip mode multi-payer
02 / TuesdayFlat
"The maid is here. ₹3,500 shared four ways every month. Auto."
recurring auto-split
03 / SundaySwiggy
"₹612 biryani. Don't make me type Aarav's name again."
smart defaults 1-tap
04 / SaturdayBrunch
"Priya doesn't drink. Don't charge her for the two LIITs the rest of us did."
custom split per-item
05 / AnytimeBirthday
"It's Rohan's birthday. The rest of us split his share. Silently."
exclude surprise
06 / WheneverCleanup
"All settled. Group chat is just for memes again."
peace of mind

Stop being your
group's accountant.
Start using Settld.

Coming soon to your phone
No spreadsheets, we promise