
settled. - money owed, sorted.
track IOUs, receipts, and subs
About
Easily track money owed, borrowed, and recurring bills. Split receipts by scanning them and manage credit card statements. Keep all your financial IOU and spending data private and secure on your device.
What's New in settled.
4.0
October 7, 2026
Credit cards (beta) - Add your credit cards with their limit, interest rate, statement closing day and payment due date. - Interest is calculated the way your bank does it: monthly on your average daily balance (the default for ₱ cards), or yearly/daily-compounding for US-style cards. - Monthly statements close automatically, with the statement balance, minimum due and due date. - A breakdown of each statement: previous balance, payments, new charges, average daily balance and interest. Charges, installments and payments - Log purchases and refunds, with merchant, note, date and a receipt photo. - Installment plans (0% or with an add-on rate) that bill one part per statement, with early payoff. - Pay the statement balance, the minimum, the current balance or a custom amount, with a clear note on what each choice means. Charge loans, receipts and subscriptions to a card An optional "also charge to card" picker adds the same amount as a charge on the card you choose: - Loans: when you add a new "i lent" single transaction. - Receipts: when you add a new receipt that you paid for. - Subscriptions: when you record a recurring payment, like paying Netflix with your BPI card. Other improvements - Due soon now scrolls up to 28 days ahead, with a "today" button to jump back. - On iPhone, People is now at the top right of Home. - Four new widgets: • Next Due: the next loan, recurring payment or card statement that's due. • Card Utilization: how much of a card's credit limit is in use. • Card Balances: your total card balance and available credit. • Due Soon: loans, recurring payments and card statements due this week. Tap a day to see what's due. Fixes - Widgets are now readable on Clear and Tinted Home Screens.
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FAQ
How does settled. calculate interest on loans?
settled. can automatically calculate interest on loans, whether they are single payments or installment plans. This feature helps ensure accurate tracking of all money owed.
Is the credit card tracking feature in settled. fully released?
The credit card tracking feature in settled. is currently in beta. The developer welcomes user feedback to improve its functionality.
How does settled. handle receipt scanning and privacy?
Receipt scanning in settled. runs entirely on-device using Apple Intelligence, meaning your data is not uploaded to any servers. This ensures your spending remains private by design.
What security features does settled. offer?
settled. offers robust security options to protect your financial data, including PIN, Face ID, and Touch ID protection. This ensures that who owes you what remains private.
Can I see my financial overview without opening settled.?
Yes, settled. supports home screen widgets that allow you to view your net balance, card balances, and upcoming due dates without needing to open the app.
Does settled. have ads?
No, settled. does not contain advertisements. It is a paid application designed to provide a clean and uninterrupted user experience.
What devices does settled. support?
settled. is available on iPhone, iPad, and Mac, with layouts optimized for each device. Your data syncs privately through iCloud across all your Apple devices.
How often is settled. updated?
The latest version of settled. is 4.0, and it was last updated on October 7, 2026. This indicates a recent update and ongoing development.








