A record book, not a bank
SettleNG keeps the record of what you sold, what you spent and who still owes you. It never connects to your bank, moves money, or takes a cut.
A guided tour
What SettleNG is, and how to move around it
Five minutes here and you will know every screen. No jargon, no finance degree — just the shortest path from “I sold something” to “I know exactly where I stand”.
In one paragraph
SettleNG is the notebook your business deserves.
You record sales and expenses as they happen. SettleNG turns those records into a running balance, a list of who owes you, invoices you can send, and reports that show whether the business is growing. It is free, it works in any browser, and it never touches your money.
Built for how traders work
Thirty seconds between customers is all it takes: tap, type an amount, done. Everything is designed for a phone held in one hand.
Private to your workspace
Your records belong to your workspace. Only people you invite can see them, and switching workspaces never mixes two sets of books.
Nine things it does
Each one is a single screen. You never have to learn the whole app to use one part of it.
Sales
Cash, transfer, POS or credit — recorded the moment it happens.
Expenses
Stock, transport, rent and wages, with categories you can read later.
Customers
One list of everyone who owes you, with how long it has been outstanding.
Invoices
Itemised invoices, part payments applied oldest-first, and a clear balance.
Debts
Money owed to you or by you, with payments, evidence and a payment link.
Reminders
Automatic emails to you when a debt is still unpaid — never to the debtor.
Reports
Revenue, expenses and profit over 7 days to a year, plus CSV exports.
Analytics
Cash flow, spending by category, debt ageing and your biggest debtors.
Match records
Import a bank statement and link each payment to the right invoice.
Step by step
Your first day, in five steps
- 01
Create your free account
Tap “Start tracking free”, enter your name, business name and a password. No card, no bank details. If your email needs confirming, we tell you plainly instead of pretending you are signed in.
Create an account
- 02
Land on your dashboard
Home answers four questions: what came in today, what went out, who still owes you, and whether the month is improving. Every figure comes from records you entered — nothing is estimated.
- 03
Record your first sale
Tap the green + button (phone) or “Record a sale” (desktop). Choose how the money came in. If it was on credit, SettleNG opens an invoice so the balance is tracked from the start.
- 04
Write down what you spent
Same + button, “Record an expense”. Pick a category — stock, transport, rent, wages. This is the half most people skip, and it is the half that tells you whether you actually made a profit.
- 05
Track who owes you
Open Debts (or Customers) to see every balance. Record part payments as they come in; the outstanding amount updates immediately. When a debt reaches zero it closes itself.
Every screen, and where to find it
On a phone, five items sit at the bottom and everything else is behind More. On a laptop or tablet, the same list runs down the left side.
Home
Bottom bar, leftToday's takings, money in and out, who owes you, and the latest records.
Sales & Expenses
More menu (phone) · sidebar (desktop)Every record, searchable and filterable by date, category and payment method.
Customers
Bottom bar (phone) · sidebar (desktop)Each customer's total owing, their invoices, and a one-tap “they paid me”.
Invoices
Bottom bar (phone) · sidebar (desktop)Draft, issue, record payments, void — with the balance always recalculated.
Debts
More menu · sidebarMoney owed to you and by you, with repayments, documents and payment links.
Reminders
More menu · sidebarTurn on automatic emails per debt, choose times, pause, and read the delivery history.
Reports
More menu · sidebarPick a period, see revenue, expenses and profit, and download a CSV.
Analytics
More menu · sidebarSpending by category, cash-flow trend, ageing debts and your top debtors.
Match records
More menu · sidebarUpload a statement, review the rows, and link each one to an invoice or mark it ignored.
Team
More menu · sidebarInvite a manager or staff member to the workspace and set what they can do.
Settings
More menu · sidebarBusiness name, appearance, your account, and the way out if you ever want to leave.
On a phone
- The bottom bar keeps Home, Customers and Invoices one tap away.
- The green + in the middle records a sale, an expense or a payment from anywhere.
- More holds Debts, Reminders, Reports, Analytics, Match records, Team, Settings and this guide.
On a computer
The sidebar lists every section. The workspace switcher at the top swaps between your personal books and any business you run — each keeps its own records.
One habit that makes it work
Record the sale before the customer leaves the shop. Everything else — balances, reports, reminders — is only as good as that one habit.
Four things you will do often
A customer takes goods on credit
- 1Tap + and record the sale, choosing “Credit”.
- 2SettleNG opens an invoice with the balance owed.
- 3The customer appears under Customers with the amount outstanding.
You want to stop chasing manually
- 1Open the debt and turn on Smart email reminders.
- 2Pick one, two or three times a day, or your own times, in your timezone.
- 3SettleNG emails you — never the debtor — and logs exactly what the provider answered.
The customer pays part of it
- 1Open the debt and tap “Record payment”.
- 2Enter the amount; the balance drops and the history keeps the record.
- 3When the balance reaches zero the debt closes and its reminders stop.
End of the month
- 1Open Reports and choose the period.
- 2Read revenue, expenses and net profit, then export a CSV if you need it.
- 3Check Analytics for what you spent the most on and who owes you most.
Questions people ask first
Does SettleNG move or hold my money?
No. It is a record-keeping tool. There is no bank connection, no card, and no wallet. Payment links only show the amount and a reference — the money still goes to you directly.
Is it really free?
Yes. Recording, debts, invoices, reminders, reports and matching are all free. There is no subscription, no premium tier and no ads inside your records.
Who can see my records?
Only people in your workspace. Each workspace's data is kept separate on the server, and switching workspaces shows only that workspace's numbers.
Do reminders email my customer?
Never. Reminder emails go to you, the owner, so you remember to follow up. Your customer is not contacted.
Can I use it on my phone without installing anything?
Yes — it runs in the browser. You can also add it to your home screen from your browser menu so it opens like an app.
Ready to try it with today's sales?
It takes about two minutes to set up, and the first record is the one that matters.
- No card details
- No bank login
- Free, always