The ultimate financial companion for flatmates, couples, and friends. Track shared expenses, settle debts with mathematical elegance, organize household chores, and maintain complete transparency — online or 100% offline.
Experience an intelligent ecosystem that eliminates awkward money talks, simplifies room management, and protects your privacy.
Split bills however life demands: equally, by exact custom amounts, by percentages, or weighted shares. SettleSmart simplifies debt paths into the minimum possible transactions, eliminating circular obligations forever.
Keep your roommate rent separate from your vacation trip or personal expenses with fully isolated Spaces.
Eliminate budget guesswork. SettleSmart dynamically calculates your exact daily spending allowance based on remaining days, recurring bills, and current pacing.
No network in the grocery store basement or on a flight? Add expenses without pause. SettleSmart stores locally and syncs automatically.
Get intelligent AI forecasts that detect anomalous spending before you overspend. When you finish under budget, rollover surplus compounds into custom Savings Goal Buckets.
Try our interactive split simulation. See how cleanly SettleSmart balances shared costs and provides instant clarity.
No awkward calculations, rounded pennies, or missed debts. Every member receives a clean instant settlement summary.
We never sell your financial records. Your data is your property, safeguarded by modern cloud engineering.
All client and server communication is secured with TLS/HTTPS 256-bit encryption.
Row-level security ensures only verified members of your Space can access transaction logs.
Real-time crash diagnostics and performance monitoring keep SettleSmart ultra-responsive.
Full TalkBack & VoiceOver screen-reader compliance with alt-text across all interactive controls.