🏦
Debt & EMI tracking
Bank loans and money owed to friends & family, side by side. Monthly EMIs with a fixed payment day or one-time dues — with payment history, progress bars and an overdue radar.
Available on iOS & Android
Your money,
finally clear.
Debts, daily expenses and subscriptions — tracked in your language, your currency, with smart reminders that never miss a due date. Import bank statements from 30+ banks, parsed 100% on your device.
- 100% on-device — no cloud, no accounts
- 32 bank statement formats
- 23 languages · 46 currencies
9:41
Debts
Track and manage everything you owe.
Total remaining
₹1,84,500
Bank loans · ₹1,60,000Friends · ₹24,500
62% paid — keep going 💪
Home Loan · HDFC
EMI · day 5₹1,20,000 left70% paid
Car Loan · ICICI
EMI · day 12₹40,000 left55% paid
Rohan (friend)
Due 28 Aug₹24,500 left38% paid
DebtsSubs＋SpendsMore
- Debts · Subscriptions · Expenses
- 3-in-1
- Indian & international banks
- 30+
- Languages, RTL included
- 23
- Currencies, formatted right
- 45+
52subscription platforms built in — with brand logos & dark-mode variants
Netflix
Spotify
Amazon Prime
YouTube Premium
ChatGPT
Claude
Gemini
Notion
Figma
Canva
Adobe Creative Cloud
Microsoft 365
GitHub Copilot
Apple Music
iCloud
Google One
Discord Nitro
LinkedIn
Dropbox
Slack
Zoom
Duolingo
Audible
JioHotstar
ZEE5
Sony LIV
Crunchyroll
Grammarly
Midjourney
Perplexity
Headspace
Gym Membership
…plus custom platforms with auto-generated monogram tiles for anything not listed
Everything you need
One app. Every rupee, dollar, euro & dirham accounted for.
SettleBook replaces the notes app, the spreadsheet and the mental math — debts, subscriptions and daily spending in one private place.
📄
Bank statement import
32 banks — 25 Indian, 7 international. PDF parsed 100% on-device, password-protected files included. Auto-categorized, duplicate-checked, reviewed by you before saving.
🔁
Subscription control
52 platforms built in. Monthly, quarterly & yearly cycles, renewal alerts, upgrade history and a spending distribution that shows exactly where it all goes.
💸
Daily expenses
20 smart categories, month-by-month views, Today / Week / Month filters and a 6-month spending trend. Manual entries are unlimited — free forever.
🔔
Smart reminders
Early warnings 1 week, 3 days and 1 day out. Due-day alerts, overdue follow-ups, a daily expense nudge with smart skip, and weekly + monthly money digests.
📊
Analytics everywhere
Pending-debt charts, category distribution, top spending platforms, monthly commitments and quick insights — free on every tab, no paywall on understanding your money.
🔐
App lock
A 4-digit PIN or your device's biometric lock (fingerprint / Face ID) guards the app on every cold start. PINs live encrypted on your device — never on a server.
🌍
23 languages · 46 currencies
Fully translated — Arabic gets true right-to-left layout. Every currency formats correctly: ₹1,00,000 lakh grouping, symbol before or after, even your reminder texts.
🌗
Light · Dark · System
Three theme modes that follow your device or your mood, a native splash for each, and platform logos with dark-mode variants so nothing ever disappears.
Debt tracking
Every loan, every EMI, every friend you owe.
Bank loans and personal borrowings live in one ledger — with the payment history, progress and gentle pressure you need to actually settle them.
Bank loans & friends — tracked separately
Two lender types with their own analytics: BANK LOANS and FRIENDS & FAMILY, so you always know which side of your life the money belongs to.
Recurring EMIs or one-time dues
Set a monthly EMI amount with a payment day (1st–28th), or a single due date for one-off borrowings. Overdue detection adapts to each type.
Full payment history with guardrails
Record every payment with notes and dates. SettleBook prevents overpaying beyond the balance and recalculates progress instantly — deleting a payment restores the debt.
Analytics that motivate
Pending-debt trends, a bank-vs-friends distribution chart, monthly commitment totals, your largest debt — and a 🎉 celebration notification when you hit 100% paid.
Free plan includes 3 debts. Premium removes the cap — one payment, forever.
9:41
←Debt details
Home Loan · HDFC
BANK LOAN · EMI ₹18,500 · every 5th
70%
₹1,20,000 of ₹4,00,000 remaining
On track — 8 EMIs to go
Payment history
₹18,500
EMI · auto reminder
₹18,500
EMI
₹40,000
Part prepayment
+ Record payment
Expense tracking
Know where every day actually went.
Log a spend in seconds or import a whole month from your bank — then watch the patterns appear in charts you'll actually look at.
Unlimited manual entries — free forever
Amount, category, note, date. No caps, no paywall on the habit that matters most.
Month-by-month, filtered your way
A month/year picker scopes everything; All / Today / Week / Month chips slice it instantly. Imported and manual expenses are labeled so you always know the source.
Analytics with memory
A 6-month spending trend, category distribution charts, top spending categories and a monthly total that greets you at the top of the tab.
A nudge that respects you
The 9 PM logging reminder skips itself on days you've already logged an expense. Quiet when you're consistent, present when you're not.
9:41
Daily Expenses
Aug 2026 ▾Total spent · August
₹42,318
87 expenses recorded
6-month trend
🍜-₹482
Swiggy · dinner
Food
⛽-₹2,000
Indian Oil
Fuel
🛒-₹1,764
BigBasket
Groceries
20 categories, auto-matched to hundreds of merchants
- Food
- Transport
- Shopping
- Entertainment
- Bills
- Health
- Education
- Groceries
- Rent
- Fuel
- Travel
- Personal Care
- Fitness
- Gifts
- Investments
- Insurance
- EMI & Loans
- Pets
- Subscriptions
- Other
Subscription tracker
Cancel regret. Catch every renewal.
52 platforms with real brand logos, three billing cycles normalized into one honest monthly number, and reminders that fire before the charge — not after.
Monthly, quarterly & yearly — compared fairly
Every subscription is normalized to a monthly and yearly equivalent, so a ₹1,499/year plan and a ₹649/month plan can finally be compared side by side.
Live status you can read at a glance
Active, Expiring Soon (≤7 days), Expires Today and Expired — each color-coded, with days-until-billing on every card.
History that understands upgrades
Created, renewed, upgraded, expired — a full lifecycle log. Edit a price and SettleBook asks: correcting a mistake, or did you upgrade your plan? Your history stays honest.
Renewal alerts + a day-after check-in
Get notified on the date or 1, 3, 7 days before — then a friendly 'Did it renew?' the day after expiry, with quick actions to renew right from the notification.
Free plan includes 3 subscriptions. Premium removes the cap.
9:41
Subscriptions
Keep your subscriptions under control.
Monthly equivalent
₹2,437/mo
Monthly
Netflix
Renews in 3 days
₹649Expiring soon
Spotify
Renews 14 Sep
₹119Active
ChatGPT
Renews 21 Sep
₹1,650Active
Yearly
Amazon Prime
₹125/mo equivalent
🔔 Reminder: on date · 1 · 3 · 7 days before
32 banks supported
Your bank statement, understood — never uploaded.
A month of spending imported in seconds. The PDF is parsed by engines built for Indian and US statement formats, entirely on your phone. No servers. No third parties. Ever.
🏦
Pick your bank
Search across Indian & international banks. Each one includes step-by-step instructions for downloading the statement from its own app — YONO, iMobile, Kotak811 and more.
📄
Upload the PDF
Password-protected statements work — SettleBook shows your bank's usual password format as a hint and opens the file entirely on your device.
✅
Review & save
Transactions are extracted, auto-categorized across 20 categories and duplicate-checked. You approve every row before anything touches your records.
- 100% offline parsing
- Password-protected PDFs supported
- Per-bank download guides
- Auto-categorization by merchant
- Duplicates detected & skipped
- Up to 3 months per import
🇮🇳 Indian banks
25 banks · dedicated parsers for HDFC, ICICI, Kotak & BoM- HDFC Bank
- ICICI Bank
- State Bank of India
- Kotak Mahindra Bank
- Axis Bank
- Punjab National Bank
- Bank of Baroda
- Canara Bank
- Union Bank of India
- IndusInd Bank
- Yes Bank
- IDFC FIRST Bank
- IDBI Bank
- Bank of India
- Bank of Maharashtra
- Federal Bank
- Central Bank of India
- Indian Bank
- UCO Bank
- RBL Bank
- South Indian Bank
- Karnataka Bank
- Karur Vysya Bank
- Bandhan Bank
- AU Small Finance Bank
🌍 International
US statement engine- Chase Bank
- Bank of America
- Wells Fargo
- Citibank
- Capital One
- USAA
- SoFi
Your data stays on your device
We do not upload, store or share your bank statements. The PDF is processed locally — parsing, categorization and duplicate checks all happen on your phone.
Bank missing? There’s a “Let us know!” button right inside the import screen.
Built for the world
Speaks your language. Counts your currency.
23 full translations and 46 currencies — independent of each other, so you can run the app in Japanese with rupees or in Spanish with dirhams.
23 languages
Arabic gets true RTL layout- EnglishEnglish
- العربيةArabic
- বাংলাBengali
- 中文Chinese
- ČeštinaCzech
- DanskDanish
- FrançaisFrench
- DeutschGerman
- MagyarHungarian
- Bahasa IndonesiaIndonesian
- 日本語Japanese
- 한국어Korean
- Bahasa MelayuMalay
- Norsk bokmålNorwegian
- PolskiPolish
- PortuguêsPortuguese
- RomânăRomanian
- РусскийRussian
- EspañolSpanish
- SvenskaSwedish
- ไทยThai
- TürkçeTurkish
- Tiếng ViệtVietnamese
Every screen, every chart label, even your reminder notifications — fully localized. Bank statement parsing stays rock-solid in any language.
Formatting that respects the money
₹1,00,000
INR · Indian lakh grouping
$1,250.50
USD · Symbol before
1.250,50 €
EUR · Symbol after
1 250 kr
SEK · Space grouping
Symbol before or after, thousand separators done right, and a live sample in the picker before you commit. Changing currency even updates your reminder texts.
Language ≠ currency. They’re set independently — because where you live and what you speak aren’t always the same thing.
- ₹INRIndian Rupee
- ৳BDTBangladeshi Taka
- RsLKRSri Lankan Rupee
- रूNPRNepalese Rupee
- $USDUS Dollar
- C$CADCanadian Dollar
- R$BRLBrazilian Real
- $MXNMexican Peso
- $ARSArgentine Peso
- $CLPChilean Peso
- $COPColombian Peso
- S/PENPeruvian Sol
- €EUREuro
- £GBPBritish Pound
- FrCHFSwiss Franc
- krSEKSwedish Krona
- krNOKNorwegian Krone
- krDKKDanish Krone
- złPLNPolish Złoty
- KčCZKCzech Koruna
- FtHUFHungarian Forint
- leiRONRomanian Leu
- ₽RUBRussian Ruble
- ₺TRYTurkish Lira
- د.إAEDUAE Dirham
- ﷼SARSaudi Riyal
- ر.قQARQatari Riyal
- د.كKWDKuwaiti Dinar
- E£EGPEgyptian Pound
- RZARSouth African Rand
- ₦NGNNigerian Naira
- KShKESKenyan Shilling
- GH₵GHSGhanaian Cedi
- ¥JPYJapanese Yen
- ¥CNYChinese Yuan
- ₩KRWSouth Korean Won
- NT$TWDNew Taiwan Dollar
- HK$HKDHong Kong Dollar
- S$SGDSingapore Dollar
- RMMYRMalaysian Ringgit
- ฿THBThai Baht
- ₫VNDVietnamese Dong
- RpIDRIndonesian Rupiah
- ₱PHPPhilippine Peso
- A$AUDAustralian Dollar
- NZ$NZDNew Zealand Dollar
Smart reminders
A memory for money that never sleeps.
One hub, four reminder engines, each with its own time — plus an UP NEXT timeline showing exactly what will fire and when. Everything scheduled on your device; nothing goes through a server.
🏦9:00 AM
Debts & EMIs
- Early warnings — 1 week, 3 days, 1 day before
- A heads-up the morning it's due
- Overdue follow-ups at +1, +3 and +7 days
- 🎉 A celebration when you hit 100% paid
🔁9:00 AM
Subscriptions
- Per-subscription lead time: on date, 1, 3 or 7 days
- Renewal-day alert before the charge lands
- “Did it renew?” check-in the day after expiry
- Renew straight from the notification
📒9:00 PM
Expense logging
- A daily “How much did today cost?” nudge
- Smart skip — log during the day, the night stays quiet
- Snooze with “Remind me tomorrow”
- Log instantly via the notification action
📬Sun 6:00 PM
Money digests
- Weekly digest — spends, debts, upcoming renewals
- Pick your weekday and time
- Monthly recap on the 1st — a fresh-month summary
- All copy localized in your language
⚡ Survives reboots & updates🎯 Precise-timing mode (exact to the minute)🧪 Built-in test lab — send yourself a preview
Scheduled on this device only — nothing leaves your phone.
Private by architecture
Your data lives on your phone. Full stop.
Most finance apps sync your life to a server and call it a feature. SettleBook is built the other way around — privacy isn't a setting, it's the architecture.
📵
No cloud. No accounts.
There's no sign-up, no login, no server to breach. Your ledger lives in an on-device database that only you can open.
🔐
App lock, done right
A 4-digit PIN or your device's own biometric lock guards every cold start. PINs are stored encrypted on-device; biometrics never leave your OS.
🕵️
Anonymous by default
Only anonymous crash reports and usage analytics help us improve the app — never amounts, never names, never your statements.
What we never collect
- Transaction amounts or balances
- Bank statement PDFs or their contents
- Statement passwords
- Lender names or expense descriptions
- Your name, email or phone number
- Location, contacts or photos
- PIN codes or biometric templates
- Any authentication credentials
The fine print, in plain language → Read the full Privacy Policy
The honest trade-off
Because there’s no cloud, there’s no cloud backup — uninstall the app and your data is gone for good. That’s not a bug; it’s what “your data never leaves your device” actually means.
In-app quote, verbatim: “Your data lives only on your device. We don’t collect, store, or share anything.”
How it works
Clarity in three steps.
⬇️
STEP 01
Download & pick your world
Free on iOS and Android. Choose your language and currency in onboarding — 23 languages, 45+ currencies, no account required.
✍️
STEP 02
Add or import
Log debts, subscriptions and expenses in seconds with the + button — or import a whole bank statement and let on-device parsing do the typing.
🧘
STEP 03
Let SettleBook remember
Smart reminders chase the due dates, analytics reveal the patterns, and weekly digests keep the whole picture one glance away.
Pricing
One payment. Every feature. Forever.
No monthly fee to manage your money — that would be ironic. Start free, upgrade once if you outgrow the limits, and it’s yours for life.
Free
₹0forever
Everything you need to build the habit.
- Track up to 3 debts
- Track up to 3 subscriptions
- Unlimited manual expenses
- 1 bank statement import (up to 1 month)
- All analytics, charts & insights
- Smart reminders & money digests
- 23 languages · 45+ currencies
- Light, dark & system themes
Premium · Lifetime
Early supporter pricingOne-timeno subscription, ever
Priced in your local currency on Google Play & the App Store.
- Unlimited debts & subscriptions
- Unlimited bank statement imports
- Up to 3 months per statement
- App lock — 4-digit PIN protection
- Biometric unlock (fingerprint / Face ID)
- All future features included
- One-time payment — no subscription
- Restore purchases on any device
🔒 Secure payment via Google Play / App Store · No hidden fees · Restore purchases anytime
FAQ
Questions, answered honestly.
The same answers you'll find inside the app — no marketing gloss.
Is my financial data stored in the cloud?
No. Every debt, expense and subscription is stored locally on your device in an on-device database. There are no accounts, no logins and no servers — your financial data never leaves your phone.
Which banks can I import statements from?
SettleBook supports 30+ banks. Indian banks include SBI, HDFC, ICICI, Axis, Kotak Mahindra, PNB, Bank of Baroda, Canara, Union Bank, IndusInd, Yes Bank, IDFC FIRST, IDBI, Bank of India, Bank of Maharashtra, Federal Bank, Central Bank of India, Indian Bank, UCO, RBL, South Indian Bank, Karnataka Bank, Karur Vysya, Bandhan and AU Small Finance Bank. International banks include Chase, Bank of America, Wells Fargo, Citibank, Capital One, USAA and SoFi. Each bank comes with step-by-step instructions for downloading your statement.
Is my bank statement uploaded anywhere?
Never. The PDF is parsed 100% offline on your device. No servers, no third parties — the statement never leaves your phone. Password-protected PDFs are supported too; the password is only used to open the file locally.
How are imported transactions categorized?
SettleBook recognizes hundreds of merchants — Swiggy, Amazon, Uber, Netflix, Walmart, Starbucks and more — and assigns one of 20 categories automatically. Duplicates are detected and skipped, and you review every transaction before anything is saved.
What languages and currencies are supported?
The app is fully translated into 23 languages — including English, Bengali, Arabic (with right-to-left layout), Spanish, French, German, Portuguese, Japanese, Korean, Chinese, Thai, Vietnamese and more — and supports 45+ currencies with correct symbol placement (₹100, $100, 100 €, 100 kr). Language and currency are independent: use the app in Japanese with rupees, or in Spanish with dirhams.
How do smart reminders work?
One hub controls everything: debt & EMI alerts (1 week / 3 days / 1 day before, on the due day, and overdue follow-ups), subscription renewal alerts, a daily expense nudge with smart skip (log an expense during the day and that night stays quiet), plus weekly and monthly money digests. Everything is scheduled on your device — nothing goes through a server.
What's the difference between recurring and one-time debts?
Recurring debts have a monthly EMI amount and a payment day each month — ideal for loans. One-time debts have a single due date — ideal for money borrowed from friends or family. Both types show payment history, progress and analytics.
What are the free tier limits?
Free users can track up to 3 debts and 3 subscriptions, and import one bank statement covering up to one month. Manually added expenses are unlimited, and analytics, reminders, all languages, currencies and themes are included free.
What do I get with Premium?
Premium is a one-time lifetime purchase — no subscription. It unlocks unlimited debts, unlimited subscriptions, unlimited bank statement imports (up to 3 months per statement), app lock with PIN or biometric authentication, and all future features. Pay once, yours forever.
Can I lock the app?
Yes. Premium unlocks App Lock with a 4-digit PIN or your device's system lock (fingerprint / Face ID). The PIN is stored encrypted on your device only, and biometric data is handled entirely by your device's operating system.
What subscription platforms are built in?
52 platforms across streaming (Netflix, Prime, JioHotstar, YouTube Premium), music (Spotify, Apple Music), AI tools (ChatGPT, Claude, Gemini, Perplexity, Midjourney, Copilot, Cursor), design (Figma, Canva, Adobe), productivity (Notion, Slack, Microsoft 365), cloud, security, learning and lifestyle — plus custom platforms for anything else.
What happens if I uninstall the app?
All data is permanently deleted — there is no cloud backup, because there is no cloud. This is by design: your financial data exists only where you can see it. Keep the app installed to keep your history.
Something else on your mind? help.settlebook@gmail.com
Start settling.
Stop guessing.
Free to download. Private by design. Ready in the time it takes to add your first debt.
iOS & Android · No account needed · Works fully offline