No SMS reading. No account. No loan spam.

Unlike finance apps full of ads and unnecessary permissions, Settle Book is a private expense tracker that works 100% offline.

💰 Expense Tracker
Track daily spending, expenses, income and money flow with detailed insights.

📒 Debt Tracker
Manage money borrowed, repayments and outstanding balances.

🔔 Subscription Tracker
Never miss recurring bills, subscriptions and payments again.

🔒 100% Private
No login required. No SMS reading. No bank account linking. Your data stays with you.

📊 Smart Analytics
Understand spending habits and manage finances better.

Settle Book is a private expense tracker and money manager designed to help you track daily expenses, subscriptions, debts, and spending habits completely offline. No accounts, no cloud sync, no ads, and no data collection—your financial information stays securely on your device.

Whether you're looking for an expense tracker, debt tracker, subscription manager, or personal finance app, Settle Book gives you a simple and secure way to stay organized while protecting your privacy.

Track daily expenses, monitor spending habits, and gain better control over your finances with an intuitive expense tracker built for simplicity.

• Record expenses quickly and easily
• Track spending across custom categories
• View monthly spending trends and insights
• Monitor financial habits over time
• Stay organized with a clean and simple interface
• Works completely offline without internet access

Whether you're managing a household budget or tracking personal expenses, Settle Book helps you understand where your money goes.

DEBT TRACKER

Keep track of money borrowed, money lent, and outstanding balances with a secure debt tracker.

• Track personal loans and repayments
• Manage debts with friends and family
• Monitor remaining balances and payment progress
• Maintain a private digital debt ledger
• Organize financial obligations in one place
• All records remain on your device

Stay on top of repayments and never lose track of important debt information.

SUBSCRIPTION TRACKER

Manage recurring payments and subscriptions before they become unexpected expenses.

• Track active and inactive subscriptions
• Monitor upcoming renewal dates
• View monthly subscription costs
• Stay aware of recurring bills and payments
• Manage streaming services, gym memberships, utilities, and more

Know exactly how much you're spending on subscriptions every month.

OFFLINE BANK STATEMENT IMPORT

Import and analyze bank statements directly on your device with privacy-focused local processing.

• Import bank statements into your ledger
• Process transactions entirely offline
• Automatically categorize imported transactions
• Review spending patterns faster
• No data is uploaded to external servers

Get valuable insights from your financial transactions while keeping sensitive information private.

PRIVACY-FIRST PERSONAL FINANCE

Unlike many finance apps, Settle Book does not require accounts, cloud storage, or access to your personal information.

• No account creation required
• No cloud synchronization
• No data tracking or analytics
• No advertising networks
• No selling or sharing of financial information
• Complete control over your data

Your finances belong to you—and only you.

WHY CHOOSE SETTLE BOOK?

✓ Private Expense Tracker
✓ Offline Money Manager
✓ Secure Debt Tracker
✓ Subscription Tracker
✓ Bank Statement Import Tool
✓ Personal Finance Organizer
✓ Spending Tracker & Budget Helper
✓ No Accounts Required
✓ No Cloud Sync
✓ No Ads or Data Collection
✓ Dark & Light Mode Support
✓ Fast, Simple, and Easy to Use

BUILT FOR PEOPLE WHO VALUE PRIVACY

Whether you're tracking expenses, managing debts, monitoring subscriptions, importing bank statements, or improving your budgeting habits, Settle Book helps you stay in control of your money without compromising your privacy.

Settle Book - Debt & Expense