Know where every naira goes.
Turn your chats into data you can read.
Every sale, every expense, every person who owes you, recorded the second you type it, in the chat app you already have open.
Those same messages become totals, categories and a profit line you can check in five seconds flat.
Profit · July
▲ 18%₦1,347,500
Spend split
Owed to you
₦186,000
7 people · oldest 41 days
Cashflow, last six months
Snap it. Say it. Type it.
Three ways to tell Settl what happened, photo, voice note or plain message. Whichever you choose, the entry lands in your books before you put the phone down.
Snap a receipt
Photo · 12:04
Market lists, POS slips, supplier invoices, photograph it and Settl pulls out the total.
Say what you sold or spent
“I sell three bags of rice for one twenty-six thousand”
Hands full or a queue waiting? Hold the mic and talk, English or Pidgin, both fine.
Or just type it
No fields, no forms. Write it the way you'd tell a friend and Settl works out the rest.
And then it does the books for you.
Every message becomes a proper entry, dated, categorised and totalled, business money kept apart from personal.
Try it now →Records every transaction
Sales and expenses, timestamped as they happen.
Sorts and totals it
Stock, transport, fuel, rent, sorted and totalled for you.
Tracks who owes you
Debts by name, with how long they've been open.
Answers when you ask
“How much I make today?”, reply in seconds, or a PDF.
Built for the people who never had time for books.
Traders, barbers, tailors, drivers, caterers, and anyone who just wants to know where their salary went.
Everything a small business needs. Nothing it doesn't.
One message in. One clean entry out.
Record a sale or an expense in a sentence. Settl reads it, categorises it, and keeps the running total, no forms, no fields, no tapping through menus.
Know exactly who owes you
Receivables and payables tracked by name, so no debt quietly disappears.
Business and personal, never mixed
Switch modes with a word. Shop money and house money stay cleanly apart.
Month-end, whenever you ask
Profit, cashflow and spending summaries, sent back as a PDF you can forward.
A nudge before it's due
Rent, data, NEPA, supplier payments, Settl remembers so you don't have to.
It speaks how you speak
Nigerian English and Pidgin. Type it the way you'd say it out loud.
Month-end, in the time it takes to ask.
Ask for your numbers in a sentence and Settl builds the document, revenue, expenses, profit and outstanding debts, laid out properly. It lands in the chat as a PDF you can forward to a supplier, a partner, or your bank.
Sales, purchase and expense reports for any date range
Profit and cashflow summaries, already totalled
A real PDF file, forwardable, printable, no login needed
Every naira, on one screen.
You log by chatting. Settl turns those messages into a live picture of your money, what came in, what went out, what's still owed. Open it any time, or ask for it in the chat.
Simple pricing.
Everyone starts free, business or personal, a handful of messages a day, no card needed. Upgrade the moment it starts paying for itself. Bringing other shops along? Earn from every referral.
Free
Business or personal, both included.
Personal
For tracking your own money.
Business
MOST POPULARFor running a small business.
Teams & branches
One business, several hands or several floors.
Settl records your money.
It can never move it.
No bank access, no wallet, no transfers. Settl only ever reads what you type, and everything you tell it is encrypted, PIN-protected and yours alone.
Questions,
answered plainly.
No. Settl lives entirely inside WhatsApp, the app you already use every day. Nothing new to install, nothing to learn.