# settled. - money owed, sorted. — track IOUs, receipts, and subs

> Personal finance app for tracking IOUs, receipts, subscriptions, and credit cards. (iPhone/iPad app by DAVID JONATHAN PASUMBAL.)

- Source: https://appshunter.io/ios/app/settled-money-owed-sorted/id6810749273 (this page in markdown: same URL + `.md`)
- Developer: [DAVID JONATHAN PASUMBAL](https://appshunter.io/developer/6809573781)
- Category: Finance
- Price: $1.99
- Rating: 5.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 26.6 · 6 MB
- Languages: American English
- Released: 2026-09-25
- Data updated: 2026-10-12
- Monetization: paid

## What is settled.?

NEVER LOSE TRACK OF IOUs
Log what you lent or borrowed in seconds. Single payments or installment plans, with optional interest calculated automatically. See exactly what's outstanding, who's behind, and what's already settled, all in one ledger.

CREDIT CARDS UNDER CONTROL (BETA)
Add your cards and statements close on their own, with the minimum due and interest calculated the way your bank does it. Log purchases, refunds, and installment plans, then pay the statement, the minimum, or a custom amount. Card debt stays 
separate from what you owe people. It's in beta, so feedback is welcome.

PAID WITH A CARD? TRACK BOTH
Lent money, covered a receipt, or paid a subscription with your card? Charge it to the card in the same step and both stay accurate.

SPLIT BILLS WITHOUT THE SPREADSHEET
Snap a photo of any receipt and Settled reads the items for you. Assign items to whoever ordered them, split shared plates evenly, and let tax, tip, and discounts divide themselves proportionally. Everyone's exact share, done before your food gets
cold.

YOUR RECEIPTS NEVER LEAVE YOUR PHONE
Receipt scanning runs entirely on-device with Apple Intelligence. Nothing is uploaded to a server to be read. Your spending stays private by design, not by policy.

LOCKED TO YOU
Protect your ledger with a PIN, Face ID, or Touch ID. Who owes you what is nobody else's business, even if someone picks up your device.

ONE SCREEN, EVERYTHING THAT MATTERS
Open the app and immediately see your net balance, your card balances, what's due soon for the next four weeks, your most recent activity, and how many open loans or receipts you're juggling. No digging through tabs to find out where you stand.

YOUR BALANCE, RIGHT ON YOUR HOME SCREEN
Add widgets to see your net balance, card balances, how much of a card's limit you've used, and what's due next or this week, without opening the app. Tap a Quick Actions widget to jump straight to logging a loan, a receipt, a recurring payment, or
a card charge.

BILLS THAT COME BACK
Track subscriptions and recurring bills alongside your loans. Weekly, monthly, or yearly, nothing recurring catches you off guard.

SETTLE UP, THE EASY WAY
Record a payment the moment it happens. Remind someone via text with one tap. When it's time to collect, export a clean, itemized breakdown image you can send to anyone, even if they don't have the app.

GROUPS, PEOPLE, AND YOUR BALANCE WITH EACH
Organize who you split with into groups: roommates, trip crews, the office lunch chat. See your running balance with every person at a glance.

IPHONE, IPAD, AND MAC
Settled runs on iPhone, iPad, and Mac (Designed for iPad), with layouts built for each screen. Split the bill on your phone at dinner and review your balances on your Mac the next morning. Everything syncs privately through iCloud. No account to 
create, no password to remember.

---

Feature list:

- Log loans & IOUs: either direction, single payment or installments, with optional interest
- Credit cards (beta): statements, minimum due, interest, installments, and available credit
- Charge a loan, receipt, or subscription payment to a card in the same step
- AI-powered receipt scanning, entirely on-device: no cloud upload (Requires devices that support Apple Intelligence)
- Itemized bill splitting with proportional tax/tip/discount allocation
- App lock with PIN, Face ID, or Touch ID
- Home dashboard: net balance, card balances, due soon, recent activity, at-a-glance stats
- Home Screen widgets: balances, cards, next due, due soon, stats, and quick actions
- Recurring payment & subscription tracking (weekly/biweekly/monthly/yearly)
- Payment history & one-tap "remind via text"
- Shareable, exportable itemized receipt breakdown images
- Group and contact management with per-person balances
- In-app notifications when a loan, recurring payment, or card statement is due
- Available on iPhone, iPad, and Mac (Designed for iPad)
- Private iCloud sync across your devices
- Currency selection support

## Key features

- Log loans and IOUs
- Track credit cards (beta)
- Scan and split receipts
- Manage subscriptions and recurring bills
- Secure with PIN, Face ID, Touch ID
- Home screen widgets
- Cross-device sync


## Frequently asked questions about settled.

### 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.

## Version history (last 5 releases)

### 4.0 — 2026-10-07

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.

### 3.0 — 2026-09-28

what's new

enhancements
• added support for biweekly installments and recurring payments

bug fixes
• fixed display name on mac

### 2.2 — 2026-09-26

what's new

enhancements
• new compact view when sharing a receipt, for a cleaner, shorter summary

bug fixes
• long receipts now generate correctly in the share sheet
• amounts on large transactions now split correctly, down to the cent
• receipt scanning now reads prices more accurately, and flags any that don't match the receipt so you can double-check before saving

### 2.0 — 2026-09-25

What's New in settled.
settled. is now on iPad and Mac (Designed for iPad)! This update also adds PIN, Face ID, and Touch ID app lock, Home Screen widgets for your balances, stats, and quick actions, and search across everything. Notifications now open the right item, and lists put what's still unpaid on top.

iPad and Mac support
settled. now runs on iPad and Mac (Designed for iPad), with layouts designed for bigger screens. Your loans, receipts, and balances sync to every device through iCloud.

App lock with PIN, Face ID, or Touch ID
Keep your ledger private. Lock Settled with a PIN or biometrics. It locks again on its own after 10 minutes in the background.

Home Screen widgets
- Balances: your net balance, what you're owed, and what you owe
- Stats: a quick look at your loans, receipts, and recurring payments
- Quick Actions: add a loan, receipt, or recurring payment with one tap

Search everything
Find any loan, receipt, recurring payment, or person from one search.

Smarter defaults
- Tapping a due-date notification now opens that loan or recurring payment directly.
- Lists now show unpaid loans and receipts and active recurring payments first. Settled items move to the bottom.

Fixes and improvements
- "Delete All Data" now fully resets the app and returns you to onboarding
- General polish and layout fixes

### 1.0 — 2026-09-25

No release notes.

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## More apps by DAVID JONATHAN PASUMBAL

- [Nook - Store it, Track it](https://appshunter.io/ios/app/nook-store-it-track-it/id6809573779)

All apps by DAVID JONATHAN PASUMBAL: https://appshunter.io/developer/6809573781

## Related topics

[settled](https://appshunter.io/ios/topics/settled) · [money owed](https://appshunter.io/ios/topics/money-owed)

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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 2026-10-12.*