Settl vs Simple EMI Suite

Splitting a bill should take one sentence, not six taps. Settl is the voice-first way to split expenses with friends, roommates, and travel buddies. Tap the mic, say what happened, and the expense is logged, split, and currency-tagged — in about a second. "I paid forty bucks for sushi with Alex." → Logged. Split equally. Categorized. Done. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday, 50 souvenirs Thursday." → Three expenses, dated correctly, converted from yen automatically. EVERYTHING BY VOICE — OR TAP IF YOU PREFER A single mic button sits at the bottom of every screen. Groups, expenses, settlements, friends, history — all reachable by talking. Don't want to talk? Every action still works the old-fashioned way. WHAT YOU CAN DO • Split any expense — equally, by exact amounts, by percentage, or by shares • Group trips, shared houses, and one-off dinners — or settle 1-on-1 with a friend • Track who owes whom across every group, in one clean balance • Multi-currency, auto-converted at daily exchange rates — perfect for travel • See a full activity feed of every change

Simple EMI Suite is an EMI calculator and loan manager that runs entirely on your phone. There's no account to make, no ads to sit through, and nothing gets uploaded anywhere. The loans you add stay on your device and only on your device. It's for the moment you're staring at a loan offer and want to know what it actually costs. Or the moment you realise you have three EMIs running and can't remember which one is due next. WHAT IT DOES EMI calculator Type in the amount, the interest rate and the tenure. The EMI updates as you type. It uses reducing balance maths, the same method your bank uses, so the number you see is the number you'll pay. You also get the principal and interest split, and the total cost of the loan before you commit to anything. Full amortization schedule Open the month by month view and you can see where every instalment goes. How much chips away at the principal, how much is just interest, and what's still outstanding at any point in the tenure. It's usually more sobering than people expect. Loan tracking Home loan, car loan, personal loan, education loan, anything with a monthly instalment. Each one shows its status, the next due date, how many months are left and a progress bar for how far you've come. Dashboard Your total monthly outgo, what you've paid so far, what's due next, and how much interest you're handing over each year across all your loans. One screen, no digging. Reminders that work offline Set a nudge before each EMI falls due, with 1, 3 or 7 days of warning. Turn reminders on or off for individual loans, and fire a preview at yourself if you want to see what it looks like first. Everything is scheduled on the device, so no server is involved and no internet is needed. Indian currency, done properly Amounts appear as Rs 25,00,000, Rs 18.4L, Rs 2.1Cr. Lakhs and crores, not millions. ABOUT YOUR DATA Plenty of finance apps ask for your phone number, your contacts, or permission to read your bank SMS. This one asks for none of that. No login or account. Nothing is uploaded, so there's nothing to leak. No ads, no analytics, no third party trackers. Your loans live in a local database on the phone. Uninstall the app and the data goes with it. HOW IT LOOKS Deep navy and gold, with Playfair Display for the numbers and headings. It's a finance app that doesn't feel like a spreadsheet. GOOD FOR Comparing two loan offers before you pick one. Working out what a loan really costs across the whole tenure. Remembering due dates without setting phone alarms. Keeping every loan in one private place. Budgeting around what's already committed each month. Free, offline, and quiet about it.