Everything in Settle, in the order you use it

The unit everything hangs off: the client, the price, the bookings, the crew, the photos, the costs and the invoices.

1. Open Jobs and tap + to create one (or accept a quote, or book a lead)
2. Choose Quoted price (a fixed total) or Do and charge (hours and materials)
3. Book it in, do the work, then Invoice it from the job

A job's dates come from its bookings, not from a field someone types, so the calendar and the job can never disagree. Completed jobs that are not yet invoiced are the queue Settle keeps in front of you, because that is where money goes missing.

It will not

• Never guesses a job's start or end date; no booking means no dates

Bill a fixed-price job in pieces that always add up to the agreed price, or bill tracked hours and costs with a live margin check.

1. Open the job and tap Invoice
2. Fixed price: pick Deposit, Progress or Final; Settle computes the amount from the agreed price
3. Do and charge: tick the tracked hours and costs to include, check the margin line, and raise the invoice

Settle holds the agreed price against the job, so the final claim is the remaining balance by construction and the claims can never leave a stray cent unbilled. On do-and-charge jobs the invoice shows its margin before you send it, and warns if it loses money.

It will not

• Warns when a claim would pass the agreed total; never blocks, because absorbing a cost is your call
• Never re-derives a margin on a job with no price; it says "no price yet" instead

Extra work as a record with its own price and its own approval, so it is billed instead of absorbed.

1. Open the job and add a variation with a title and amount
2. Send it for the customer to approve from a link, or record a verbal yes
3. Approved variations widen the agreed total and can be billed

Approval is evidence three ways: the customer tapped approve and typed their name, or you recorded a verbal yes (and the record says who recorded it), or it is not approved and never enters the total.

It will not

• A sent or approved variation cannot be edited; the figures somebody decided on stay as they were

A customer-facing report that writes itself from what actually happened, with photos and a sign-off.

1. Open the job, add photos as you work
2. Tap Share report to create a link (you can revoke it later)
3. On site, the customer can sign off on the worker's phone

Nothing is typed for the report. Quoted, accepted, started and completed are facts the system recorded (the clock-on stamps the start), and a step that never happened is left out rather than guessed.

It will not

• Never shows cost, margin, markup, labour or pay data to the customer
• Never shows a step nobody recorded

Tracks the statutory clock on a certificate from the real completion time; Settle does not issue or lodge certificates.

1. Open the job and add the certificate with its scheme (NSW, VIC, other)
2. Lodge it with the regulator's own system
3. Type the number you were given back into the job

The countdown runs from when the work actually finished, a fact Settle recorded when the job was completed, rather than from whenever the paperwork was remembered.

It will not

• Settle does NOT issue or lodge certificates. In NSW a CCEW goes through the Building Commission NSW eCert portal (handwritten and PDF certificates are no longer accepted); in VIC a COES is bought and lodged through ESVConnect
• Only a scheme whose rule is verified gets a countdown (NSW, seven days); other schemes take a manual due date rather than an invented one
• Nothing in Settle is evidence of lodgement

Every invoice with its status, a pipeline strip of what is owed, and one tap to send, chase or mark paid.

1. Open Invoices
2. Filter by All, Unpaid, Draft, Sent, Paid or Overdue
3. Open an invoice to send it, download the PDF, mark it paid or edit it

Sent invoices flip to Overdue on their own the day after the due date, so the overdue list is always true without anyone tidying it. Marking an invoice paid also stops the automatic reminders for it.

It will not

• A sent invoice is never quietly demoted back to draft when edited
• Extending a due date does not un-overdue an invoice that already flipped

A new invoice with your business details, GST and numbering already filled in.

1. Open Invoices and tap the + button (or New invoice)
2. Pick the client, add line items, set the due date
3. Save as a draft, or send it to the client by email

Your business details, payment details and GST posture come from Settings and your history, so a new invoice is mostly done before you type. From a job, the invoice is raised against the job so the job knows what it has billed.

It will not

• Never prefills hours on a fixed-price job; the customer agreed a total, not an hourly bill

Chase overdue invoices yourself from one list, or let Settle send reminders in your name and stop when the money lands.

1. Open Chase payments (from the Invoices page or the menu)
2. Tap Chase on an invoice to send a reminder now
3. Turn on Automatic reminders and set how many days after the due date they start

Automatic reminders are opt-in and off by default, because they email your customers unattended in your name. They stop the moment an invoice is paid, including when Xero reports the payment, so a chase never goes out on money that already arrived.

It will not

• Never chases a paid invoice, a draft, or a client with no email
• Never sends twice inside the cooldown, and stops after the maximum number of reminders and hands the invoice back to you

A Pay Now button on your invoices so customers pay by card, with the money going to your own account.

1. Open Settings, then Connections
2. Connect your Stripe account (a guided setup)
3. Every sent invoice now carries a Pay Now button and a payment link

The amount the customer pays is taken from the invoice on the server, never from the page, so a tampered link cannot change what is charged. A paid card payment marks the invoice paid on its own.

Every dollar out, split into paid and still owed, with a scanner that reads supplier bills.

1. Open Expenses and tap Add, or Scan a receipt
2. Mark it paid, or leave it as a bill owed with a due date
3. Attach it to a job to see what it does to that job's margin

Spent is cash basis: money that has actually left the account, counted when it left. Bills owed are captured but unpaid and are never added into spent unless you ask for both, and then the answer says so. GST is read off the bill, never computed as a fraction of the total, because not every supplier charges it.

It will not

• The receipt scanner leaves anything it cannot read blank and names it, rather than guessing a total
• A bill with no due date is never treated as not urgent

Bills that repeat on a schedule, recorded into the ledger once per occurrence.

1. Open Expenses, then Recurring
2. Add the expense with its amount and how often it repeats
3. Record each occurrence when it is paid; the Dashboard shows the monthly load

Each occurrence reaches the ledger exactly once, even if two devices record it, so a repeating bill can never be counted twice.

The businesses you buy from, assembled from your bills or added by hand: spend per supplier, your account numbers and your rep, with nothing to set up.

1. Open Expenses, then the Suppliers card
2. Confirm a suggested group once; its bills link and future bills with that exact name link themselves
3. Or tap + to add any supplier yourself; just the name is enough
4. Open a supplier to add your account number, rep and payment terms

Supplier records build themselves from the expense ledger instead of asking for setup, and the rollup shows what you actually paid from your own scanned bills. A similar-looking name is only ever a suggestion; nothing merges without your tap.

It will not

• Never merges two spellings without your confirmation
• No purchase orders or supplier catalogues; the bill stays the one ledger

Your numbers: income, spending, what is owed, what changed, and the deeper cuts.

1. Open Dashboard
2. Pick a period with the range chip
3. Open a section to see the detail; closed sections still show their headline

Every section speaks when it is shut: the headline figure sits on the drawer, so you read the whole business in one scroll. The Dashboard is cash basis (money counts when it moves); job costing is accrual on purpose, so a job can show a cost the Dashboard has not paid yet.

It will not

• Never blends a margin across jobs that have no price; those are counted and named separately

Your name, ABN, contact and payment details, printed on every invoice.

1. Open Settings, then Business details
2. Add your business name, ABN, phone and email (the ABN lookup fills most of it)
3. Add how you get paid: BSB and account, PayID, or a payment link

Your GST registration is read from the ABN register at setup, so new quotes and invoices start with the right GST posture instead of a default.

Your logo and colours on invoices, quotes and emails, with no Settle watermark.

1. Open Settings, then Branding
2. Upload your logo and pick a colour
3. Adjust the email wording if you like

Documents and emails go out as yours, from your name, and from your own domain once you connect one.

Invoices, quotes and reminders are sent from an address at your own domain.

1. Open Settings, then Sender domain
2. Enter your domain and add the DNS records it shows you
3. Tap Verify

Sending never depends on this succeeding: until the domain verifies, and if it ever lapses, mail falls back to Settle's shared sender automatically.

Bring clients and past invoices in from a CSV, undoable as one batch.

1. Open Import and choose Clients or Invoices
2. Upload the CSV and confirm the column mapping
3. Review the plan, import, and undo the whole batch if it looks wrong

Imported invoice history feeds your price list straight away, so a switch from another app starts with your real lines. Ambiguous dates are flagged rather than guessed.

It will not

• Never silently picks a day or month order for an ambiguous date

Three sizes plus Enterprise, every one carrying every feature; they differ in worker seats and AI credits.

1. Open the Plans screen (the crown button in the header)
2. Compare Solo, Team and Business, or talk to us about Enterprise
3. Choose a plan; manage or change it from the same screen

Pricing is flat per business, not per user: the whole crew is covered by the seats in the plan.

It will not

• The assistant never quotes a price; the Plans screen is the only place prices appear

Ask about your money, get taken to the right screen, and on any plan describe what you want done and tap Do it. You can say it out loud instead, on any plan.

1. Tap the assistant button in the header
2. Ask a question, or say where you want to go
3. Describe the job; a plan card appears; tap Do it
4. Use the microphone and it talks back

Every figure it shows comes from your books through a tool, never typed by the model. Nothing is written until you tap Do it, and what it does goes through the same paths the app itself uses, so the job number, the dedupe and the booking rules all hold. AI credits meter every call; the daily brief costs none.

It will not

• Never sends an email, deletes a record or changes a sent document
• Never estimates a number it did not read

How many AI credits your plan includes this month, how many you have used, and a daily limit you can set.

1. Open Settings, then AI usage
2. See the credits used today and this month against your plan
3. Lower the daily limit, or pause AI for the whole account

Every plan carries a monthly allowance of AI credits and its own allowance of receipt scans, because reading a supplier bill uses a scan and not a credit. The daily brief on Home is never counted against either. Anything refused costs nothing.