Bankroll Management
Manage the bankroll you actually have: your friends.
Bankroll management apps assume you're betting against a sportsbook. Most bets aren't. Most bets are with the same five people in your group chat — and nobody's tracking the running tab. Settled does.
Running balances
See exactly who's up and who's down across every friend you bet with.
Signed wagers
No verbal bets. No 'best two of three.' Both sides sign or it doesn't count.
Settle in one tap
Mark paid, log the outcome, move on. Receipt stays forever.
Reputation as collateral
Honor score replaces the sportsbook holding your money.
Why social bankroll matters
You can know your sportsbook ROI down to the dollar and still have $340 floating in iMessage you'll never see again. The friend tab is the bankroll most bettors ignore — and it adds up faster than the +110 single bet ever will.
Settled gives you a real ledger for it. Every bet is on the record, every settle is signed, and your honor score is the social interest rate.
What gets tracked
- — Lifetime balance with each friend
- — Open bets awaiting settle
- — Win rate per matchup (your record vs each rival)
- — Honor score: yours and theirs
- — Every signed receipt, searchable forever
FAQ
Does Settled do sportsbook bankroll management?
No — Settled doesn't connect to DraftKings, FanDuel, or any sportsbook. We manage the 'social bankroll' between you and your friends: who owes who, who paid, who ghosted. For sportsbook ROI tracking, use a dedicated tool.
How do I see who owes me money?
Your dashboard shows every open bet, every pending settle, and your running balance with each friend. When something settles you mark it paid and the receipt updates instantly.
What happens if my friend won't pay?
Their honor score takes the hit. Settled doesn't chase money — but the receipt is permanent and visible to people they bet with next. Reputation is the bankroll.
Is bankroll tracking really free?
Yes. Tracking, settling, and your honor score are free. See pricing for optional commissioner and league tools.
Know what you're owed. Down to the dollar.
Stop scrolling iMessage to remember who owes who. Settled keeps the social bankroll honest.