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Settl
Speak naturally and split expenses instantly
Just scan your bills and/or say what you spent with who in any language. Settl AI agent splits it. We have iOS, Android apps, and MCP for your other agents to directly connect to. We maintain the ledger, handle the forex, and give you insights on your spending.
Hey Product Hunt,
Today we are launching Settl.
Most people already use something like Splitwise for this, and it works fine. The bit that never got easier is the entering - Payer, amount, currency, who was there, how to divide it. It’s a two second thought attached to a much longer bit of tapping.
So Settl is the version where you just say it. You can hold the mic and describe the spend the way you would to a friend, in whatever language you think in and whatever currency you actually paid. It even handles the awkward ones, statements like "eighty for ramen, but Dev had two bowls" and shows you what it worked out before anything saves - It takes 80 dollars (if dollars is your default currency), splits it three ways, one share on you, and two shares on Dev (including the taxes and tips proportionally shared). So Dev owes you $53.33. Dev receives a notification.
Receipts work the same way. Point the camera at one and say who had what. She had the pad thai, he had the curry, we shared the wine. It reads the line items, assigns them, and spreads tax and service charge proportionally rather than evenly, which is the bit people get wrong doing it by hand.
Settl also has an MCP, so Claude, ChatGPT, Codex, Cursor, or any other tool of choice can log an expense or read your balances from the same ledger your flatmates or friends have on their phones. If you already keep receipts and trip notes in an AI tool, the splitting stops being a separate errand somewhere else.
The rest is what we needed ourselves: multi currency that remembers what you actually paid, settle ups that work out the fewest transfers, undo on everything, and an import if you are coming from Splitwise.
It is free right now, but it may not be free forever, because every request costs us something and we would rather tell you that than find out together later. Filling a sheet (which doesn’t need an AI) stays free forever regardless.
One thing's for sure though - Settl has almost full parity with Splitwise and we will never charge you for these features.
It is live on iOS and Android. Please try it.
Thanks,
Jay
About Settl on Product Hunt
“Speak naturally and split expenses instantly”
Settl was submitted on Product Hunt and earned 12 upvotes and 3 comments, placing #33 on the daily leaderboard. Just scan your bills and/or say what you spent with who in any language. Settl AI agent splits it. We have iOS, Android apps, and MCP for your other agents to directly connect to. We maintain the ledger, handle the forex, and give you insights on your spending.
On the analytics side, Settl competes within Android, Money, Personal Finance and Budgeting — topics that collectively have 66.2k followers on Product Hunt. The dashboard above tracks how Settl performed against the three products that launched closest to it on the same day.
Who hunted Settl?
Settl was hunted by Jay Reddy. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Settl including community comment highlights and product details, visit the product overview.
Jay Reddy