LogoSettlr
AI Receipt Scanner • Smart Debt Simplification

Shared Expenses & Group Bills,Settled in Seconds.

Scan restaurant bills, split group trips, and track who paid what. Settlr does the math and tells everyone who owes whom — no awkward calculations.

See How It Works
🏖️Group Trips & Vacations🏠Housemates & Shared Bills🍽️Dinners & Hangouts
Balances & Consumption
Tap an avatar to audit their exact item splits.
How to Settle
Payout instructions to clear all debts.
Settlement Payouts
https://settlr.kentandrian.com/split-bill/dinner

Everything You Need To Settle Debts

Designed to stop awkward debt conversations and math calculations forever.

Scan Paper Receipts with AI

Take a photo of the bill. Settlr reads the items and prices automatically. Tax and service charges are split fairly based on what each person ordered.

Keep All Receipts in One Place

No need to calculate after every meal. Add all bills from a 4-day trip into one ledger. Settlr combines everything so you only settle up once at the end.

Fewer Payments to Settle Debts

Instead of 5 friends sending dozens of transfers back and forth, Settlr simplifies group debts so everyone clears their balance with the fewest possible payments.

Friends Don't Need an Account

Share a link with a simple 4-digit PIN. Your friends can open it on their phones to see their breakdown without signing up or downloading an app.

The Settlr Advantage

Why Not Just Splitwise or GoPay?

Settlr combines the instant itemized scanning of receipt splitters with the ongoing multi-day power of group ledgers — with zero login friction for your friends.

Capability
LogoSettlr
SplitwiseGoPay Split Bill
Multi-Receipt Trip Ledgers
Combine multiple bills across days into one unified balance
Unlimited bills & running tabs
Supported
Single receipt only
AI Receipt OCR Scanning
Extract line items, prices, and totals with Gemini Vision
Automatic line-by-line parsing
Manual item entry only
Supported (Gojek app only)
Proportional Tax & Service Fees
Scale PB1, service charge, and discounts fairly to items ordered
Automatic math proration
Manual calculations needed
Automatic proration
Zero-Login Guest Access
Friends check their split using a simple 4-digit PIN link
Instant web link — no account
Everyone must create account
Requires Gojek account & app
Bank & Wallet Agnostic
Direct payment hand-off with 1-click BCA copy & personal QRIS
Direct transfer (0% app fee)
Manual external logging
Locked to GoPay wallet
Smart Debt Minimization
Greedy graph netting to clear debts in the fewest possible payments
Greedy netting algorithm
Simplify debts algorithm
Pay bill creator only
100% Non-Custodial & Free

We Do the Math.
You Pay Directly via Your Own Bank.

Settlr is designed around real human social interactions. We never hold your money in escrow, never take a cut of your payments, and never ask for bank account credentials.

Zero Escrow or Wallets

No new e-wallets to top up or cash out. No platform fees or holding periods. You pay exactly what you owe directly to your friend.

1-Click Bank & QRIS Copy

Creditors show their BCA/Mandiri account number with 1-click clipboard copy or a personal static QRIS code for instant mobile transfers.

WhatsApp Magic Summary

Generate a cleanly formatted group chat summary with all net payouts, payment details, and breakdown link in a single tap.

Frequently Asked Questions

Everything You Need to Know

Common questions about how Settlr handles receipts, guest links, and group debt netting.

Ready to simplify your group expenses?

Create ledgers, invite friends via secure links, and settle shared trip bills or daily office meals stress-free.