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PennyLog
Split expenses · works right here

Split expenses with friends, sorted in a minute.

Add the people, add what each one paid, and PennyLog works out the fewest payments that settle everyone. Then send the summary to the group chat.

1

Who’s splitting?

    2

    Add an expense

    ₹

    Expenses

    This page keeps nothing. Close the tab and the group is gone. In the app, groups are saved on your phone.

    Balances
    3

    Share the summary

    Split summary
    Total
    Expenses
    People
    WHO PAID
    WHO PAYS WHOM
    PennyLogTrack shared expenses. Free on Google Play.

    When the group splits up

    Not every cost is for everyone.

    The tool above splits every expense equally among everyone. That works for a dinner, but real days are messier. Scroll through one hike to see why the app has sub-groups.

    Four friends on a sunny day hike: two reach the summit café, two stop at a halfway chai stall.Cab · everyone₹1,200Café · 2 people₹640Chai · 2 people₹120SummitHalfway₹490₹620₹490₹620₹490₹360₹490₹360₹1,960 ÷ 4 = ₹490 each3 payments settle everyone
    6:30 am · Trailhead
    1. 6:30 am · Trailhead

      Four friends, one cab.

      Aarav books a cab to the start of the trail. All four ride in it, so all four share it.

      Cab to the trailAarav paid₹1,200Shared by everyone
    2. 8:00 am · On the trail

      Two of them race ahead.

      Aarav and Diya keep climbing to the top. Kabir and Meera take it slow and stop at the halfway point.

    3. 10:15 am · Summit café

      A proper meal at the top.

      Aarav and Diya order thalis at the summit café. Only the two of them eat.

      Summit caféDiya paid₹640Aarav and Diya only
    4. 10:40 am · Halfway

      Chai and biscuits.

      Kabir and Meera stop for chai at a little stall halfway up.

      Chai stallMeera paid₹120Kabir and Meera only
    5. Evening · Back home

      Split equally, it isn’t fair.

      Add up the day, ₹1,960, and divide by four: ₹490 each. Kabir and Meera each pay ₹130 towards a café meal they never ate. That is what an equal split, like the tool above, does.

      AAarav₹490
      DDiya₹490
      KKabir₹490+₹130
      MMeera₹490+₹130
    6. In the PennyLog app

      Sub-groups split it the way the day went.

      Make a “Summit” sub-group for Aarav and Diya and a “Halfway” one for Kabir and Meera. The cab stays shared by all four.

      AAarav₹620
      DDiya₹620
      KKabir₹490₹360
      MMeera₹490₹360
      KAKabir pays Aarav₹360
      MAMeera pays Aarav₹220
      MDMeera pays Diya₹20
    Sub-groups · in the PennyLog app

    Split it the way the day actually went.

    Get it onGoogle Play
    1. 1Create a sub-groupOpen the group, tap New sub-group, call it “Summit” and pick Aarav and Diya.
    2. 2Add the sub-group expenseInside the sub-group, add the ₹640 café meal. Only those two share it.
    3. 3Settle up onceShared and sub-group costs are combined, so each person pays once.
    In the app

    The app does the same, and remembers it.

    • Goa Trip group: ₹16,000 spent by four people, with each person’s paid amount and balanceGoa Trip group: ₹16,000 spent by four people, with each person’s paid amount and balance

      Groups that remember. Who paid, each share, and who gets back or owes.

    • UPI QR code for Rahul paying ₹1,250

      Pay with a scan. A UPI QR for each payment, amount filled in.

    • Split summary image preview with who paid and who pays whom

      One image for the chat. Save or share the whole split as a picture.

    Groups are saved

    Keep a trip open for days and add expenses as they happen.

    People are reused

    Add a friend once and pick them again for the next group.

    Sub-groups

    Split a cost among just the few people who shared it.

    Settle and reopen

    Mark a group settled when everyone has paid. Reopen it if something was missed.

    Get it onGoogle Play
    How it works

    How to split expenses with friends.

    A bill splitter only needs three things: who was there, what each person paid, and a fair way to settle up.

    1. 1

      Add everyone who is splitting

      Type the names once, separated by commas. The group can be two flatmates or a whole trip.

    2. 2

      Add each expense and who paid it

      Hotel, cab, dinner: enter the amount and pick the person who paid. Every expense is shared equally.

    3. 3

      Settle up with the fewest payments

      PennyLog nets out what each person paid against their share, then pairs the people who owe with the people who are owed, so the group settles in as few payments as possible.

    Split bills for any group.

    Trips and travel

    Split hotel, fuel, tickets and food on a Goa trip or a weekend trek, then settle once you are home.

    Flatmates and roommates

    Share rent, electricity, Wi-Fi and groceries without keeping a running tab in your head.

    Dinners and nights out

    One person pays the bill, everyone pays them back. Send the summary before the cab arrives.

    Gifts and office lunches

    Chip in for a birthday gift or a team lunch and see exactly who still owes how much.

    Want to keep the group for later, split a cost among only some people, or pay back with a UPI QR? That is what the PennyLog app adds. More answers are in the FAQ.