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- Removed unnecessary broad photo library permission — receipt and cover photo picking now uses Android's system photo picker
Split smarter. Settle faster. Share expenses with friends and settle via UPI.
Settlio makes splitting money with friends simple. Track shared expenses, see exactly who owes whom, and settle up in seconds over UPI — no awkward reminders, no messy spreadsheets, no maths. SPLIT ANYTHING, WITH ANYONE Create a group for a trip, a flat, a dinner or a one-off plan. Add friends by email, phone number or straight from your contacts. Add an expense and Settlio works out everyone's share instantly — split equally, by exact amounts, or however the bill actually landed. ALWAYS KNOW WHERE YOU STAND One clear balance tells you what you owe and what you're owed, across every group. Settlio simplifies debts automatically, so instead of six people paying each other in circles, you get the shortest possible list of payments. SETTLE UP OVER UPI Tap to settle and Settlio opens your UPI app — PhonePe, Google Pay, Paytm, anything — with the amount already filled in. Pay, come back, and the balance clears. Settlio never touches your money; the payment happens entirely inside your own UPI app. SCAN RECEIPTS WITH AI Point your camera at a bill and Settlio reads the total, the merchant and the date for you. No typing, no squinting at faded thermal paper. ASK SETTLIO AI Not sure where your money went? Just ask. "How much did I spend on food in Goa?" "Who still owes me?" The built-in assistant answers in plain language, using your real expense history. STAY IN SYNC Push notifications when someone adds an expense, settles up or comments. A live activity feed for every group. Comment on any expense to sort out the details where they belong, instead of across three different chats.