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Turn a WhatsApp chat into a clear PDF timeline, with every voice note written out and a summary of the key highlights and promises. Read it free first.

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SETTLE UP is an indispensable app for friends and flatmates who need to keep track of shared bills...
Which is more popular?
Based on our record, Settle Up seems to be more popular. It has been mentioned 1 time since March 2021.
Website, pricing, platforms and company facts side by side.
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| Website | chatonfile.com | settleup.io |
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What each product offers, as listed by its team.


No features have been listed yet.
Possible disadvantages
Walkthroughs and reviews on video.
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Settle Up - hisab rakhna hua aasan
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How often each product is chosen within a category, 0–100% relative to the other.


As answered by people managing Chatonfile and Settle Up.
Chatonfile's answer
TypeScript, Astro, React, Tailwind CSS, Hono, SQLite with Drizzle, and Chromium for making the PDFs. Google Gemini, Anthropic Claude and OpenAI handle the voice notes and summaries, Stripe takes payments, Resend for emails.
Chatonfile's answer
Chatonfile.com turns a WhatsApp export into one clear document, with the voice notes included. Every message is numbered and dated, every voice note is written out, and each photo stays where it was sent. An AI summary lists the key highlights and promises, each pointing back to its message. A fingerprint of the export lets anyone holding the file check that it matches.
Chatonfile's answer
People who need to show what was said on WhatsApp. That includes tenants dealing with a landlord, people going through a separation or custody arrangement, employees with a workplace issue, and freelancers chasing unpaid work. It also suits anyone who wants to understand or keep a long conversation with someone.
Chatonfile's answer
You can open, search and read your chat for free, and it stays on your device while you do. You see the exact price before you pay, from $5, with no subscription and no account. If you order, we delete your chat, voice notes and photos as soon as the PDF is made, and the PDF is deleted after 30 days or whenever you choose. The PDF is ready to print, email or hand over, usually within a few minutes.
Chatonfile's answer
Important things now get agreed on WhatsApp, often in voice notes, and later someone says they never agreed to them. The proof is there, but it's buried in a long chat or in audio you can't easily hand to anyone. Chatonfile.com was built so nobody has to rely on their word against someone else's.
Share your experience with using Chatonfile and Settle Up. For example, how are they different and which one is better?
External articles and on-site reviews we used to compare the two products.


We have no reviews of Chatonfile yet. Be the first one to post
Settle Up is a great option for anyone who wants an easy way to split bills. With features like peer-to-peer payments, automated payment reminders, and detailed accounts of transactions, the Settle Up app makes it...
Settle Up excels in its calculation capabilities, providing accurate and fair splits of expenses. The app considers various factors, such as who paid for what and any existing imbalances, to determine each...
Settle Up can handle a variety of payment scenarios: When one person pays or multiple people have paid, it can split payments evenly based on the amounts or allow you to select individual amounts for each person to...
Recommendations tracked on public social media and blogs since March 2021.


Tracking Chatonfile since Nov 2026.
Can't you have her send you her money on your bank account, keep track of that on an app like Settle Up, load your combined budget on a WeSwap card and go from there? Source: almost 5 years ago
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ThreadRecap turns a WhatsApp chat export into one readable, dated record: every voice message transcribed at once, a summary on top, PDF and TXT to download. Priced per conversation.
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Turn any WhatsApp conversation into an organized document — with full chronology and automatic audio transcription.
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