This product was not featured by Product Hunt yet. It will not be visible on their landing page and won't be ranked (cannot win product of the day regardless of upvotes).
Settl is a group expense splitter with no account, no sign-up, and no cloud sync. Open the app, create a group, and start logging shared expenses — trips, rent, dinners, office lunches, road trips. Settl calculates the minimum number of payments needed to settle everyone fairly, so nobody does mental math. All data stays on your device — never uploaded, never tracked. Unlimited groups, dark mode, no ads.
Hey All,
I'm Meet, and I built Settl because every group trip I've been on ends the same way: someone doesn't have the app everyone else uses, someone doesn't want to sign up, someone hits a paywall mid-vacation, and we end up doing math in a Notes app anyway.
So I built the version I actually wanted to use.
What Settl does:
Open the app, create a group, and add who paid and who owes. Settl figures out the rest, including the minimum number of payments needed to settle everyone fairly, so nobody has to untangle a web of "you owe me, I owe them."
What I cared about while building it:
No account, ever. No email, no phone number, no password. Open the app and go.
Privacy by default. All data is stored locally on your device. Nothing is collected, synced, or uploaded.
No ads, no tracking. The app doesn't sell your attention or your data.
Built for real use. Most people log expenses in 20 seconds while the waiter is standing there. The UI is built for that.
A few things I'd love feedback on:
What's missing that would make you switch from what you use today?
Any features you wish your current expense splitter had?
Bugs, rough edges, weird flows — all welcome.
Happy to answer anything in the comments. Thanks for checking it out.
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About Settl on Product Hunt
“Split group expenses offline, no account needed”
Settl was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #108 on the daily leaderboard. Settl is a group expense splitter with no account, no sign-up, and no cloud sync. Open the app, create a group, and start logging shared expenses — trips, rent, dinners, office lunches, road trips. Settl calculates the minimum number of payments needed to settle everyone fairly, so nobody does mental math. All data stays on your device — never uploaded, never tracked. Unlimited groups, dark mode, no ads.
Settl was featured in Android (57.1k followers), Productivity (650.7k followers) and Travel (42.1k followers) on Product Hunt. Together, these topics include over 180k products, making this a competitive space to launch in.
Who hunted Settl?
Settl was hunted by Meet. 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.
Want to see how Settl stacked up against nearby launches in real time? Check out the live launch dashboard for upvote speed charts, proximity comparisons, and more analytics.
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