Setlo is India's first circular debt settlement app. It helps you track informal debts - money owed between friends, family, and colleagues - and cancel them automatically when circular payment loops are detected.

When Setlo finds a circular loop - for example, A owes B, B owes C, and C owes A - it cancels all three obligations at once. No money needs to move because the debts offset each other.

Yes. Splitwise helps you track and split expenses. Setlo goes further - it identifies circular debt loops in your network and cancels them without requiring anyone to send money.

Yes. Every debt on Setlo is consent-based and verified by both parties. Your data is private - only you and your counterparty can see your obligations.

Setlo is currently in early access. Join our waitlist to be among the first users when we launch in India.