Settle is GST-compliant invoicing and accounting software for growing Indian businesses — automatic CGST/SGST/IGST splitting, payments and expenses, bank reconciliation, GST-ready reports, and a party ledger you can actually trust, all in one place.
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Not just invoicing — payments, expenses, bank reconciliation, and the reports you need for GST and your own sanity, all live and working today.
Every line is split correctly based on place of supply — intra-state or inter-state — with no manual tax lookups.
Gap-free, sequential, GST Rule 46(b)-compliant numbers per financial year — never a duplicate, never a skip.
Indian-format currency, amount in words, your GSTIN and bank details — a tax invoice that looks the part.
Quote a client first, then convert an accepted estimate straight into a numbered invoice — no re-typing the line items.
Record cash, bank, UPI or cheque payments, split one payment across several invoices, and — if a client deducts TDS before paying — track that separately so the invoice still shows correctly paid. A wrongly-recorded payment can be reversed cleanly, never just deleted.
Correct an already-issued invoice the GST-compliant way — a price adjustment, a return, or writing off a bad debt — without ever editing the original.
Log what you spend by category, with GST input credit tracked automatically — or paste rows straight from a spreadsheet with bulk import.
Paste in your real bank statement and Settle suggests matches against recorded payments and expenses — so what's in the app actually agrees with what's in the bank.
Profit & loss, a GST summary ready for GSTR-3B, a live balance sheet, and receivables aging — all as of today, no spreadsheet required.
Every invoice and payment writes an append-only ledger entry — balances are always derived, never hand-edited.
Invite your accountant or a colleague in — full access to invoices, parties, payments and reports, with Settings and Billing staying owner-only.
Settle cross-checks its own numbers — every invoice against its payments, every party's ledger against what's actually outstanding — and flags a mismatch instead of hiding it.
Send the invoice PDF over WhatsApp in one click, add a scannable UPI QR for the exact amount due, or send a Razorpay payment link that reconciles itself the moment your client pays — through your own Razorpay account.
Manage customers, vendors, products and services with default rates and GST rates ready to reuse.
Every business that signs up gets a fully separate account — your invoices, parties, and numbers stay yours alone.
No accounting background needed — Settle handles the GST math the moment you fill in the basics.
Company info, GSTIN, bank details, logo and template — all in Settings, used on every invoice from then on.
Pick a party, add line items — the tax split, numbering, and PDF are generated automatically, correctly, every time.
Share the PDF, a UPI QR, or a Razorpay link — payments reconcile themselves against the right invoice automatically.
Settle is actively being built. This is next on the roadmap.
Sharing an invoice over WhatsApp yourself already works today — this adds automatic overdue nudges sent the moment a payment is late, with no one having to remember to chase it.
No credit card to try Settle — every workspace starts on the Free plan. Upgrade any time as your invoice volume grows.
Every plan starts free — upgrade any time from your dashboard once you're signed in.