For colivers and travelers
Who paid what. Split between people. Settled in the fewest transfers
Rua Augusta 14 is a flat shared by four people and a guest who stays over, with a weekend in Porto paid from a kitty.
Who paid what, said at the table or in the chat
An expense added from the phone or said to the bot, split between the people it was for, guests included.
The space in depth →Marc paid the rent, Mira the electricity, Ana the groceries, Sofia the dinner Tom came to. Who is in each one, and by how much?
A sentence in the chat becomes a draft of split expenses, who paid, how much and for what; it is booked on a button press, never as it is read.
Marc Duarteadded the flat, pays the rent, keeps the kittyOwner
Sofia Alvesjoined by invite link, books what she paysMember
Mira Kovačjoined by invite link, books what she paysMember
Tomno account at all, takes shares like anyone elseGuest
Members join by invite or by a link that lives seven days; a guest is added by name and takes shares like anyone else, chip-ins included.
Settled in the fewest transfers, trip by trip
Balances that clear everyone in the shortest set of transfers, and every trip kept apart from the others.
The space in depth →Four people, twenty-nine expenses, one guest. Who owes whom, and how many transfers does it take to square the flat?
Money everyone chipped in, spent by one person: a kitty expense creates no debt, because the money was everyone's before it was spent.
Sofia Alvesyou are owed 218Owes you
Mira Kovačyou owe 64You owe
Tom · guestyou are owed 41Owes you
Ana MartinssettledSettled
Every event you have split money in, and how you stand with each person across all of them.
The assistant
Ask it who owes whom, and settle up at once
The flat's expenses land from the group chat; the composer settles the month in the fewest transfers.
The assistant in full →- Reading the shared expenses
- Finding the shortest settlement
Two transfers settle everyone: Sofia to Marc 84, Ana to Mira 31.
What it takes on
- The kitty
- What went into it, what it paid for, and who has not chipped in yet.
- Where you stand across trips
- Your balance in each event, the flat and the Porto weekend, and one figure across all of them.
Connections
Expenses come in from the group chat
Expenses are added at the table or in the group chat, and a photographed receipt comes back as its own lines.
- Telegram
- Slack
- SMS
- Revolut
- Wise
- Plaid
Who does what
Four flatmates and a guest
- Owner
- Opened the group, holds the kitty, and adds the guest by name.
- Member
- Adds what they paid, sees the group's money and nothing of anyone's own.
- Guest
- Holds shares and chips in without an account, and claims the row when they join.
Control and trust
The flat sees only the flat's money
- Nothing of yours
- Everyone sees the group's money and nothing of anyone's own space; a personal space stays invisible to the whole flat, always.
- Guests
- A guest holds shares and chips in without an account; when they join, their row is merged into them.
- Fewest transfers
- The settle-up is the shortest set of transfers that clears every balance, recomputed on each expense.
- The receipt stays
- A photographed receipt stays attached to the expense, so the argument is settled by the photo.
Questions
The questions that come first
Does everyone in the flat need an account?
No. A guest is added by name, holds shares and chips in like anyone else. When they join by invite, their row is merged into their account with every share they held.
Can we add an expense from the group chat?
Yes. In Telegram or WhatsApp, a message like "I paid 32 for the taxi, me, Sofia and Ana were in it" becomes a draft with the split; a name the bot does not recognise becomes a question, never a silent guess, and nothing is written until you confirm.
What happens when someone pays their share?
The person marks the transfer settled, or the payment lands by link and closes the debt itself. A repayment marked by mistake can be undone.
Read next
Where this goes on
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.