The moment you pay for a group, SetAll splits it, tracks it, and settles it — across currencies, across borders, in real time. No chasing. No awkward texts. No stale debts.
Why SetAll
Trips with friends, dinners with colleagues, shared subscriptions — SetAll was designed for every financial entanglement that modern life throws at you. No spreadsheet needed.
Pay in AED, split in USD, settle in EUR — live exchange rates do the maths so you never argue about conversions again.
Every tap syncs instantly across every device in your group. The moment an expense lands, everyone sees it.
Equal, percentage, itemised — pick how you split. SetAll remembers preferences so repeat groups work on autopilot.
An AI-powered canvas that turns your expense data into visual patterns. Understand spending before it becomes a problem.
End-to-end auth, row-level security on every data row. Your financial history is yours — not ours to monetise.
iOS, Android, macOS, Windows, Web — your ledger travels with you. Native performance on every OS.
The Greedy Flow
Life doesn't pause for currency tables. SetAll's Greedy Flow algorithm greedily minimises the number of transactions needed to settle any group — no matter how tangled the web, no matter how many currencies are in play. One pass. Optimal result.
Open PortalHow it works
Name it "Bali Trip", "Flat Bills" or anything else. Invite members by email or link — they're in in seconds.
Add an expense from any device. Choose who paid, who owes, in which currency. SetAll converts and records in real time.
The Greedy Flow engine collapses all debts into the fewest possible payments. Mark settled, done.
Currently in beta — join to test early features
Get Started
Native apps for iOS, Android, macOS, and Windows — plus a full-featured web portal. Your ledger, wherever you are.