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Settl: Split. Track. Settle.
Split and Settle with UPI and AI
Settl is a split-expense app built for how India pays. Track shared expenses, split fairly, and settle instantly with a UPI-ready flow. Use Settl AI to create expenses from natural language, monitor real-time balances, send reminders, and keep a clean history of payments. Perfect for roommates, trips, couples, and groups. Minimal design, transparent calculations, and stress-free settling - so money stays clear and friendships stay easy.
I built Settl because splitting money with friends always felt unnecessarily messy. We use UPI for everything in India, yet shared expenses are still tracked in spreadsheets, chats, or apps that stop at “who owes whom” without helping people actually settle.
I wanted to build something designed around how India already pays — UPI-first, simple, fast, and frictionless. Then I added Settl AI to remove manual entry, so creating expenses feels effortless.
Over time, the product evolved from being “just another expense splitter” into a calmer, cleaner money coordination app - focused on reducing awkward reminders, confusion, and payment friction between friends, roommates, couples, and groups.
My goal is simple: make shared money invisible, so relationships stay easy.
About Settl: Split. Track. Settle. on Product Hunt
“Split and Settle with UPI and AI”
Settl: Split. Track. Settle. was submitted on Product Hunt and earned 0 upvotes and 2 comments, placing #66 on the daily leaderboard. Settl is a split-expense app built for how India pays. Track shared expenses, split fairly, and settle instantly with a UPI-ready flow. Use Settl AI to create expenses from natural language, monitor real-time balances, send reminders, and keep a clean history of payments. Perfect for roommates, trips, couples, and groups. Minimal design, transparent calculations, and stress-free settling - so money stays clear and friendships stay easy.
On the analytics side, Settl: Split. Track. Settle. competes within User Experience, Fintech and Artificial Intelligence — topics that collectively have 880.7k followers on Product Hunt. The dashboard above tracks how Settl: Split. Track. Settle. performed against the three products that launched closest to it on the same day.
Who hunted Settl: Split. Track. Settle.?
Settl: Split. Track. Settle. was hunted by Devanshu Ruhela. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Settl: Split. Track. Settle. including community comment highlights and product details, visit the product overview.
Devanshu Ruhela