STEP 1
Create a group
Start a group for your trip, apartment or event, and invite everyone with a single link.
Shared expenses, made simpleSplit expenses.
Split expenses.
Skip the awkward.
Track shared costs with friends, roommates and travel groups — Settleo does the math, keeps everyone square, and shows exactly who owes what.
No fees to split. Works on web and mobile.
Trusted forRoommatesTripsCouplesDinnersEvents
How it works
Square up in three easy steps
From the first shared taxi to the final payout — Settleo keeps the whole group on the same page.
STEP 2
Add expenses
Log who paid and how to split it — equally, by exact amounts or by percentage. Settleo tracks every balance live.
STEP 3
Settle up
See the simplest set of payments to clear all debts, record them, and everyone's back to zero.
Free, no limits
- Unlimited groups and expenses
- Split equally, by exact amounts or by percentage
- Settle up with suggested payments
- Web and mobile
Smart splitsFree
One amount. Three ways to split it.
Divide equally, by exact amounts or by percentage. Settleo does the math to the cent, and the total always adds up.
Settle upFree
Settle up in the fewest payments.
Settleo nets out every debt in the group and suggests the minimum set of payments to clear them. Seven IOUs become three transfers.
Roomie · Home groupsRoomie mode
Rent and bills, on autopilot.
Recurring bills appear on their day. Fixed bills settle themselves. Variable bills wait for the amount, with reminders 3 and 7 days after the due date and on the last day of the month.
TripsTravel mode
Pay in any currency.
Log expenses in soles, dollars or euros. Settleo converts each one into the group currency and tracks the trip day by day.
Live activityFree
Everyone sees it as it happens.
Expenses and payments land in the group feed in real time, with a push notification when something involves you.
Stop chasing your friends for money.
Create your first group in seconds. Settleo keeps everyone square — no spreadsheets, no awkward reminders.