Split group expenses without losing friends
Log shared expenses, automatically see who owes whom, collect payments, and settle the group in minutes.
Use the core without an account · Keeps working offline
Core features, forever
No internet required
From entry to settlement
One ledger. Every expense explained.
Log an expense, see balances, then settle up — no piecing together chats or spreadsheets.
One collector. An easier finish for everyone.
Choose one representative and Chitipay calculates what everyone sends them and what they pay back out.
Original balances stay unchanged, so every expense remains easy to audit.
From balance to money in the bank
QR codes, exports, backup, and group invites — each handled in a few taps.
Less typing. You still make the call.
AI creates a draft for you to review and edit before saving. It needs sign-in and a connection; core splitting stays free.
The title, amount, payer, and members all stay editable.
The image is downscaled before processing; no expense is auto-saved.
You always confirm before anything becomes a real expense.
Chitipay never sends the message for you.
AI includes monthly usage. After that, use a plan or credits only if you need more; core features never hit a paywall.
Free core. AI when you need it.
Everything needed to run a shared ledger stays outside a paywall.
Before you start
Ready to make group expenses clearer?
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Free core · No account to start · Works offline
Tips for splitting group costs clearly
Guides on splitting fairly for trips, meals, and shared homes.
How to Reduce the Number of Transfers When Splitting Group Expenses
Settling each expense separately turns even a small group into a dozen transactions. Here's how net-balance settlement collapses that down to just a few transfers.
How to Remind Friends to Pay Without Being Awkward
Splitting the costs means nothing if no one actually pays. Here are tactful reminder message templates, good timing, and tips for staying on top of it without souring the friendship.
How to Split Company Team-Building Costs Fairly
Team-building trips often mix company budget with personal contributions, with several people fronting money. Here's how to split the personal share fairly and consolidate transfers as cleanly as possible.