# Settle: Owed & Owe Tracker — Private IOU Tracking

> Private IOU Tracking (iPhone/iPad app by Jake Harvey.)

- Source: https://appshunter.io/ios/app/settle-owed-and-owe-tracker/id6820948518 (this page in markdown: same URL + `.md`)
- Developer: [Jake Harvey](https://appshunter.io/developer/6817010457)
- Category: Utilities, Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 10 MB
- Languages: American English
- Released: 2026-10-19
- Data updated: 2026-10-23

## What is Settle?

Track money you're Owed and Owe, while keeping it private and secure.

Settle has no accounts, no ads and no tracking. Nothing goes to our servers. Your Tabs stay on your devices and in your own iCloud.

Put things into Tabs: a trip, a flatmate, a night out, or the day to day bits. Keep a Tab to yourself, or share it with one person or a group. Everyone sees the same Entries and the same totals.

Add what someone Owes you, or what you Owe them, in a few taps. When it's paid back, Settle it and note how: Bank Transfer, Cash, or a method you add yourself.

People shows every Tab you have with each person, so you can see where you stand at a glance.

Lock Settle with Face ID or Touch ID. Use it on iPhone, iPad and Mac, kept in sync with iCloud.

Free for 1 Tab with 1 other person and up to 20 Entries. Settle Unlimited is a one-time purchase that removes the limits on all your devices. No subscription.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Settle Unlimited | $4.00 | one-time |


## Is Settle safe?

Not enough ratings yet to assess Settle.

## Is Settle legit?

Settle: Owed & Owe Tracker has limited verification signals. The AppsHunter Legitimacy Score for Settle is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1 — 2026-10-19

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-23.*