🙏 Jai JalaRam
घर के बजट के लिए, थोड़ा सुकून।
For salaried families in India

The salary is fixed. The worries are not.

One private place for everything your salary carries: EMIs, school fees, udhaar, Papa's medicines. By the 10th you know how the month will end.

Soon Get it onGoogle Play Soon Download on theApp Store
Or use it right now on the web
Made for salaried homes Private by design, no ads Made in Bharat 🇮🇳

बच्चों के सपनों को पंख तब मिलते हैं,
जब माँ-बाप का हिसाब मज़बूत होता है।

Children's dreams take flight when their parents' accounts stand strong.
Every salaried home knows this

From the 1st to the 30th, the same story repeats

1st

Salary credited

For two days it feels like enough. The family is happy, and so are you.

2nd to 10th

The fixed costs hit

Rent, EMIs, school fees, SIP, maid, DTH. Half the salary is gone before you spend a rupee on yourself.

11th to 20th

Life happens

Groceries, fuel, a cousin's wedding gift, Papa's medicines, a school trip nobody planned for.

21st to 30th

"Adjust kar lenge"

Saving is postponed to next month again. And if something breaks, it goes on the card or on udhaar.

SettleUs breaks this loop on the 10th, not the 30th, while there is still a month left to change something.

Sounds familiar?

The problems no salary slip warns you about

These are the worries salaried families actually carry. Here is what SettleUs does about each one.

"This year's school fee I can manage. It is the college fee, five years away, that keeps me awake."आज की फीस चल जाती है, कल की चिंता सोने नहीं देती।

A goal with a real date. Put a number on their education and SettleUs turns it into a weekly set-aside, then tells you honestly whether this month can afford it.

"Papa's medicines every month, Mummy's check-up, and one hospital bill that wipes out a year of saving."एक बीमारी, और सालभर की बचत ख़त्म।

A medical pot and a runway. Keep a health fund filling quietly in the background, and see how many months your family could last with no new income.

"My son is good enough for proper cricket coaching. My daughter talks about studying abroad. Can we actually afford it?"सपने बड़े हैं, और हिसाब छोटा।

Each dream, costed. Coaching, sports, foreign study: give each one a target and a date, and the app shows what it needs per week and which to start first.

पहली तारीख़ का सुकून, दसवीं तक उड़ जाता है,
जो घर हिसाब रखता है, वही चैन से सो पाता है।

The comfort of the 1st flies away by the 10th. The home that keeps its accounts is the one that sleeps in peace.
The monthly reckoning

Where does a whole salary actually go?

EMIs & loansHouse rentSchool fees Coaching classesGroceriesFuel Papa's medicinesUtilities & billsWedding gifts FestivalsSunday outingSIP & savings

Spending more than the salary this month?

SettleUs will not make you wait till the 30th to find out. It warns you mid-month, plainly, while there is still time to adjust something small instead of borrowing something big.

▼ Heading for a ₹10,000 shortfall this month
What's inside

Everything a salaried home needs, nothing it doesn't

Simple enough for everyone at home to use, quick to fill in after a long working day, and honest about what it finds.

Month-end verdict

Shared family account

Udhaar ledger

Salary, rent, EMIs on autopilot

Goals for their future

Quick Add & bank import

The full list

Every feature, honestly labelled

✓ Available now   ◷ Coming soon

Family & accounts

  • Sign up with email and password
  • Create a family, get a 6-letter invite code
  • Join your family with the code
  • Everyone sees the same shared data
  • Every entry shows who added it
  • Kids role with limited access

Adding entries

  • Quick Add: amount, category, save in 10 seconds
  • Smart category suggestions that learn your vendors
  • Vendor autocomplete as you type
  • Edit and delete any time, swipe with Undo
  • Bank statement import (CSV or Excel), duplicates skipped
  • Auto entry from bank SMS (Android)
  • Receipt photo scan

Home dashboard

  • This month's income vs expense at a glance
  • Month-end projection: surplus or shortfall
  • Clear red banner before money runs short
  • Daily spending pace vs last month
  • Category donut: where the money went
  • Bank balance for accurate projections

Fixed costs & EMIs

  • Recurring rules: rent, EMIs, fees, maid, DTH, salary
  • Due-date tracking: paid vs still due
  • EMI tracker: "7 of 12 paid" and amount left

Udhaar

  • Ledger of money given (diya) and taken (liya)
  • Net position: do others owe you, or you them?
  • Mark any udhaar settled when repaid

Goals & festivals

  • Savings goals with progress tracking
  • Weekly set-aside to reach the goal on time
  • Festival pots linked to categories (Diwali ₹30,000)

Budgets & alerts

  • Monthly limit per category (Groceries ₹8,000)
  • Smart alerts: budget near limit, bill due, cash tight

Reports

  • Monthly trends and top payees
  • Excel export for any month
  • Full backup: all family data in one file

App & appearance

  • Android and iPhone apps
  • Works offline (installed web app)
  • Dark mode: auto, light or dark
  • Colour themes you can choose
  • Indian formatting: ₹1,20,000, DD MMM dates
  • Delete your account and data any time

Everything marked available is in the app today. The "soon" items are being built next.

हमारा मिशन

तनख्वाह तो मेहमान है, आती है, चली जाती है,
जिस घर में हिसाब रहता है, बरकत वहीं रह जाती है।

हमारा मिशन है हर परिवार को पैसों की चिंता से आज़ाद करना, ताकि घर का हर सदस्य तनाव मुक्त ज़िंदगी जी सके।

Our mission is simple: to help every family live a stress-free life.

Every rupee this app earns goes a little further

A part of what SettleUs earns supports Shivnaad Foundation, which works for families and communities across India. When your household gets steadier, another one does too.

Up and running in minutes

How it works

One of you makes the family. The other joins with a code. That is the whole setup.

Family name
Kukadiya Family
Create family
Your code
K7P2QA
Give this to your spouse
This month
Spent₹61,300
✓On track
You
Enter code
------
Ask the person who made the family
Enter code
K7P2QA
✓Joined
This month
Spent₹61,300
✓On track
Your spouse
K7P2QA Same numbers ✓
1One of you makes the family 2Tell the other the 6-letter code 3Both phones show the same money
1

Create your family

Share the 6-letter invite code. There is no "main account holder", husband and wife are equals.

2

Add salary and fixed costs once

Rent, EMIs and school fees then log themselves every month on their own.

3

Know by the 10th

The app projects surplus or shortfall while there is still time to change something.

App tour

Your home screen, layer by layer

This is the screen the family opens every morning. Hover or tap any card to see where it lives on the phone.

1Namaste header

The month at the top, alerts and settings one tap away.

2Month verdict

"You're on track", or a clear warning, with what the family has spent this month.

3Money in vs out

Income received, projected month-end balance, and the net for this month.

4Daily burn rate

This month's spending pace against last month, day by day.

5Where the money goes

A category donut with the top four spends of the month.

6Commitments & runway

How much of the month is fixed, and how many months the family could last on savings alone.

7One-tap actions

Quick Add in the centre. Expenses, Udhaar and Goals one thumb away.

🔒Sample numbers

This is a design mockup with sample figures, not a real family's data. Your numbers stay private.

Get SettleUs

Take charge of the month, before the month takes charge of you.

One salary can carry a whole family, once you can see it clearly. Start on the web today, free and private, with Android and iOS coming soon.

Soon Coming soon onGoogle Play Soon Coming soon on theApp Store

Open the web app now

Privacy policy

Your family's money is nobody else's business

Your data belongs to your family, is seen only by your family, and is never sold, shared or used for advertising.

Read the full privacy policy
Effective 13 August 2026

What we collect

Your email, a password kept only in encrypted hashed form, and your display name. Your family name and its private invite code. The records you type in: income and expenses, recurring rules, goals and festival pots, udhaar entries, and the bank balance you enter yourself. Receipt photos, only the ones you choose to attach.

What we never collect

Your SMS messages, contacts or location. Any connection to your bank. Advertising, analytics or tracking of any kind.

Where it is stored

With Supabase, our database provider, on servers in Mumbai, India. Encrypted in transit over HTTPS and encrypted at rest. Database-level rules wall each family's data off from every other family.

Who can see it

Only the members of your own family, the people who joined with your invite code. Every member sees all of that family's entries. Nobody outside your family, ever. We would disclose data only if required by law.

How long we keep it, and how to delete it

Your data is kept for as long as you have an account. You can delete it at any time inside the app: Settings → Delete my account. That removes your login, your name and your receipt photos immediately, and if you are the last member of your family, all of the family's data goes too. Copies in routine server backups expire within 30 days.

Children

SettleUs is intended for adults managing a household. Anyone under 18 should use it only with a parent's or guardian's consent.

Changes to this policy

If this policy changes, the new version will be published at this address with a new effective date.

Contact and grievances

For any question, correction or complaint about your data, including your rights under India's Digital Personal Data Protection Act, 2023, email hi@shivlam.com. We aim to respond within 7 days and to resolve grievances within 30 days.

Open the full Privacy Policy page →   Terms of Use →