LoanIt Now ! vs Settle

Shared loans, zero guesswork—track debt & credit with friends. Create loans with amount, currency, and date in seconds. Quick Split: add one expense and auto-split it across friends. Add real or virtual participants and see everyone’s balance. Log transactions; balances update automatically. Smart, customizable reminders to nudge repayments (Pro). View your net, receivables, and payables in one simple screen. Compare participant balances to avoid payback confusion. Settle up with a clear plan that minimizes transfers.

Trips, dinners, shared rent - when several people have each paid for different things, working out who owes whom turns into arithmetic nobody wants to do at the end of a holiday. Settle keeps the running total and does that arithmetic for you. Add each expense as it happens and balances update immediately: who paid what, and who owes whom right now. When it is time to square up, Settle works out the fewest payments that clear every debt - so four people with tangled balances settle in two or three transfers instead of a dozen. SPLIT IT HOWEVER IT ACTUALLY HAPPENED Equally, by exact amounts, by percentage, by shares, or item by item off the receipt. One bill can have several payers. Anyone can sit out a single expense without leaving the group. BUILT FOR REAL TRIPS 17 currencies with live exchange rates, so a dinner paid in euros and a taxi paid in dinars end up in one honest total. Currencies with three decimal places - Jordanian dinar, Kuwaiti dinar, Bahraini dinar, Omani rial, Tunisian dinar - are handled to the fils rather than rounded to cents. SHARE THE RESULT, NOT A SPREADSHEET Send the settle-up summary straight to the group chat. Add a payment alias so people know exactly where to send their share. Mark each transfer paid as it lands. WORKS WITHOUT AN ACCOUNT No sign-up, no ads, no profile of you. Everything lives on your device and works offline. Sign in only if you want to sync across your own devices or share a group with the people in it. ENGLISH AND ARABIC Fully translated, including right-to-left layout - not a mirrored afterthought.