Combined piled raft foundation (CPRF) is the concept of using pile and raft foundations together, especially for high-rise buildings since they are cost-effective and offer sustainable foundation solutions. Piles are installed underneath the raft to increase safety and minimize the settlement to an acceptable level. The estimation of settlement analysis for combined piled raft foundations through complex soil structure interaction factors is limited. A settlement prediction approach is put forward by providing a direct general settlement equation using multi-linear regression analysis. The soil profile consists of sand with friction angle (ϕ) varying 25, 30, and 35° and clay having cohesion values of 40, 60, and 80 kN/m2. The load-carrying capacities for both unpiled raft and pile group are calculated and thereafter the ultimate load-carrying capacities of CPRF are obtained. Using Plaxis 3D, the load-settlement response for 9, 16, and 25 piles is observed through parametric variations in terms of raft thickness, pile diameter, spacing, and length of the pile for square raft performance. The factor of safety values of 1.5, 2, 2.5, and 3 are utilized to obtain the safe bearing capacities using the load-settlement curve. Thus, providing a settlement predicting equation for sand-clay soil strata which gives similar results as obtained by numerical modeling. The results suggest that the geotechnical practitioners may experience ease in operating settlement of CPRF and serve to be time efficient.