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Every real-world splitting scenario covered. Choose how each expense divides — equal, exact, percentage, or shares. Mix payers, exclude members, or keep an expense entirely personal.

• Equal splits
• Exact amount splits
• Percentage splits
• Share-based splits
• Multi-payer expenses
• Partial group splits
• Personal expense tracking

Create as many groups as you need — trips, households, teams, events. Each group has its own settings, members, and currency. Archive when done; data stays forever.

• Unlimited groups with emoji
• Multi-currency per group
• Member roles (admin/member)
• Archive and unarchive
• Group deletion with safety checks
• Leave group with debt verification

Couples, families, or any set of people who share a budget can form a financial unit. They act as one during splits and settlements — no debts between them, ever.

• Combine people into one wallet (couples, families)
• Per-group units
• Unit lead handles settlements
• Override per-expense to split individually
• No limit on unit size

Track expenses in any currency, settle in another, and let SmartSettle reduce the total number of payments across the group. Every rate is logged for historical accuracy.

• 55 world currencies with live exchange rates
• Rate snapshots for historical accuracy
• Debt simplification (SmartSettle)
• 3 settlement modes
• Settlement methods: Cash/UPI/Bank/Other
• UPI deep-link integration

Full audit trail for every expense — who added it, who changed it, and what changed. Categories, comments, recurring schedules, and an activity feed keep everything transparent.

• System + custom categories with emoji and color
• AI-suggested categorization
• Recurring expenses (weekly/biweekly/monthly/yearly)
• Expense comments and discussions
• Full activity feed with audit trail
• Edit history with system comments

Set budgets at every level — personal, group, category, or per member. Visual progress bars turn amber as you approach the limit and red when you exceed it.

• Personal private budgets
• Group budgets
• Per-category budgets
• Per-member budgets
• Multi-currency support
• Visual progress bars (green → amber → red → over-budget)

Three tiers of reporting depth — glance at a pie chart or drill into per-category, per-member breakdowns. Export to Excel or PDF for reimbursements or records.

• Global reports with pie charts
• Per-group reports
• Balance by group
• Category breakdown
• 3-tier system (Simple → Advanced → Ludicrous)
• Export to Excel and PDF

Invite friends by email, phone, or link. Add people who haven't joined yet as placeholders — track their share and let them claim it when they sign up.

• Friends via email/phone/profile code
• Friend requests
• Placeholder members (auto-merge on signup)
• Private friend nicknames
• User blocking
• Contact import from device
• Invite via link or SMS