Finance Simplified.
Splits Settled.
SettleNext is the dual-mode expense app built for working professionals and students — track budgets, split trips, and manage reimbursements in one elegant interface.
SettleNext · Professional
Disposable Income
₹42,350
↑ Budget on track · 62% used
Groceries — DMart
Today · HDFC Salary
Goa Trip · Settlement
Rahul paid you back
Claim Submitted
Travel · Under Review
Core Features
Everything you need to own your finances
Purpose-built for how professionals and students actually live — not generic one-size-fits-all budgeting.
Salary & Income Tracking
Configure your total comp, log multiple income sources, and auto-compute disposable income after fixed expenses — all in one setup.
ProfessionalMulti-Bank Management
Track unlimited bank accounts with per-account expense attribution, aggregate net worth dashboard, and inter-account fund transfer logs.
ProfessionalPocket Money & Gifts
Log monthly allowances and occasion-based gifts — birthdays, Diwali, festivals — from relatives with a visual gift history timeline.
StudentSpending Limit Alerts
Set monthly caps with parent approval, get push alerts at 70%, 90%, and 100% thresholds with a color-coded real-time dashboard.
StudentSmart Trip Splitting
Equal, custom, or itemized splits — the settlement engine calculates the fewest transactions to zero all balances. Export a PDF in one tap.
EveryoneReimbursement Engine
Company claim workflows for professionals (Draft → Approved → Paid) and parent reimbursement requests for students with receipt photos.
EveryoneBuilt For You
Two modes. One seamless app.
SettleNext adapts to your financial reality — whether you're a working professional or a student living away from home.
Arjun,
27
Software Engineer · Professional Mode
- Multi-account salary tracking with disposable income auto-calculation
- Company reimbursement claims with policy cap warnings
- Bulk claim submission — export to PDF for HR in one tap
- 12-month income vs. expense trend chart
Priya,
20
Undergraduate · Student Mode
- Monthly spending limit with real-time visual progress bar
- Gift money log — birthdays, Diwali, exam rewards with occasion tags
- Parent reimbursement request with receipt — no awkward conversation
- "Away from Home" mode for stricter hostel/PG budget tracking
How It Works
Up and running in 4 steps
SettleNext is designed for speed. Logging an expense takes under 5 taps.
Choose Your Mode
Select Professional or Student at setup. Switch anytime. Your data stays organized per mode.
Set Up Your Income
Add your salary, pocket money, or gift income as the financial foundation. Set spending limits or account labels.
Log & Split Expenses
Add daily expenses in seconds. Create a trip, add members, and let SettleNext handle the math automatically.
Settle & Report
One-tap settlement suggestions, exportable PDFs for HR, and WhatsApp-shareable summaries for parents.
Goa Trip · Dec 2025
4 members · 5 days
Trips Feature
Group trips without the group chaos
Create a trip, add members via link or QR code, and log expenses as they happen. SettleNext's settlement engine figures out who pays who — minimizing transactions to zero the balance.
- Add non-app users as placeholder members by name only
- Real-time tally — see what you owe as expenses are added
- Export trip summary as a shareable PDF or image
- Mark settlements via cash, UPI, or bank transfer with confirmation
Privacy First
Your money data belongs to you.
SettleNext is built with a privacy-first architecture. No ads. No data sales. No compromise — ever.
AES-256 Encryption
All financial data encrypted at rest with AES-256 and in transit with TLS 1.3. Your numbers are yours alone.
Zero Ad SDKs
No third-party advertising SDKs. No sale of your financial data. SettleNext has never and will never monetize your data.
Biometric Lock
Face ID and fingerprint authentication as optional app lock. PIN-protected access to sensitive balance and reimbursement views.
Full Data Export
GDPR and India DPDP Act compliant. Export all your data or permanently delete your account at any time — no questions asked.
Offline First
Core expense logging works without internet. Data syncs securely when you reconnect. No connectivity, no problem.
WCAG 2.1 AA
Accessible by design. Screen reader labels, dynamic text sizing, and English + Hindi UI at launch with regional language support planned.
Roadmap
What's shipping & what's next
v1.0 launches with full core functionality. More power features are already queued for v1.1 and v1.2.
v1.0 · Launching Now
Core Product
- Professional & Student modes
- Salary & pocket money setup
- Trip splitting engine
- Reimbursement workflows
- AES-256 encryption
- Offline-first mode
v1.1 · Q3 2026
Power Features
- Multi-currency trip support
- Recurring expense automation
- WhatsApp settlement links
- Hindi UI language
- Itemized split V2
v1.2 · Q4 2026
Web & Insights
- Web companion app
- Advanced MoM reports
- Team / family accounts
- Regional language support
Future · 2027
Intelligence Layer
- Bank account sync API
- SMS auto-detection
- Spend predictions
- Investment tracking
Be first to
SettleNext
Join the early access list and get notified the moment SettleNext lands on the App Store and Play Store.
No spam, ever. Unsubscribe anytime.