Money between friends,
settled.
The simplest way to track debts, send friendly nudges, and get paid back. No awkward conversations. Just settled debts.
Your ledger
liveTunde owed you
Fuel money · settled last week
+₦8,000
Ada owes you
Jollof catering · due Friday
+₦12,500
Net position
+₦12,500
Features
Everything you need to settle up
Powerful features designed to make debt tracking effortless and payment collection seamless.
AI Magic Reminders
Auto-generate polite, firm, or funny reminder text in seconds — never write an awkward message again.
Smart Bill Splitting
Type a messy note about who got what and let AI work out the fair split. Handles uneven splits and group bills automatically.
Core
Smart reminders
Automated payment reminders with customizable sensitivity.
Contact management
Track friends, family, colleagues, debtors, and creditors.
Instant notifications
Real-time alerts via email, SMS, and push.
Flexible due dates
Custom payment deadlines with automatic countdowns.
Multi-currency
Track and convert debts globally with real-time rates.
PWA ready
Works offline and installable on any device instantly.
Payments
Multiple methods
Paystack, Flutterwave, Stripe, PayPal, and bank transfer.
Calendar sync
SoonLink payment events directly to your personal calendar.
Advanced
Debt analytics
SoonVisual charts, spending insights, and payment patterns.
Recurring bills
SoonPerfect for rent, utilities, and subscription management.
Ready to get started?
Start tracking your debts today and never lose money again.
Awkward texts?
Let AI handle it.
Don't know how to ask for your money back? Use our generator to draft the perfect text, from polite nudges to firm reminders.
2 demo attempts left
AI-generated receipt will appear here
Messy notes?
Clean receipts.
Paste a chaotic paragraph about who paid for what. Our AI parses the context, handles the math, and generates a shareable breakdown instantly.
Simple as 1-2-3-4
Getting paid back has never been easier. Four simple steps to stress-free debt management.
Add your contact
Enter the person who owes you or who you owe. Add their details once and reuse them forever.
Record the debt
Add the amount, description, and due date. Attach payment details or let them pay online.
Automated reminders
Set it and forget it. We'll send polite reminders automatically based on your preference.
Get paid & settle
Receive payment notifications, confirm receipt, and mark the debt as settled. Done!
Add your contact
Enter the person who owes you or who you owe. Add their details once and reuse them forever.
Record the debt
Add the amount, description, and due date. Attach payment details or let them pay online.
Automated reminders
Set it and forget it. We'll send polite reminders automatically based on your preference.
Get paid & settle
Receive payment notifications, confirm receipt, and mark the debt as settled. Done!
Loved by people
getting their money back
See what our users say about getting their money back with Settle.
I used to lose track of client payments all the time. Settle changed everything. The automated reminders are professional and effective. I've collected 100% of outstanding payments in the last 3 months!
Brand collaborations mean tracking multiple payments. Settle keeps me organized and professional. The reminders are polite but persistent. My favorite financial tool!
Managing deposits and final payments from clients was chaotic before Settle. Now everything is organized, and my clients always know exactly where to send it.
As a business owner, cash flow is everything. Settle helps me manage vendor debts and customer payments in one place. The multi-currency support is perfect for my import business.
My roommates and I use this for everything. Rent, utilities, pizza nights. The automatic reminders save our friendship.
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees, cancel anytime.
We auto-detect your location. You can change currency anytime.
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Frequently Asked
Questions
Got questions? We've got answers. Can't find what you're looking for? Contact our support team.