Split expenses.
Settle smarter.
Track shared costs, simplify group debts with exact paise precision, and settle directly through UPI — even when you have zero network connectivity.
Why bill splitting breaks in real life.
Shared expenses create friction not because friends don't want to pay, but because traditional calculators lose paise, debts become circular, and internet connection drops.
Dinner with 5 Friends: ₹847.00
Standard division yields ₹169.40 per person. Floating-point calculators lose paise, leaving ledgers unbalanced and friends asking who pays the difference.
Roommate Cross-Debts
One person pays Wi-Fi, another pays groceries, a third pays maid wages. Without smart debt netting, everyone ends up sending 10 separate UPI payments back and forth.
Zero Signal in Transit
Splitting cab fares on highways or meals in hill stations without internet causes forgotten expenses and awkward disputes weeks later.
Start splitting in 4 simple steps.
No complicated accounting. PerSplit streamlines the entire journey from logging a bill to final UPI settlement.
Create a Group or Connect
Set up a space with flatmates, vacation buddies, or connect directly 1:1 with a friend via an invite code.
Add Expenses Anytime
Log expenses instantly — even without internet. Split equally, by percentages, or with exact custom rupee amounts.
See Simplified Balances
PerSplit cancels out circular debts, automatically calculating the exact minimum payments needed to square up.
Settle in One Tap via UPI
Launch straight into Google Pay, PhonePe, or Paytm. Settle with exact paise precision in seconds.
Experience the complete PerSplit journey.
Walk through how a shared beach dinner is created, split down to the exact paisa, simplified, and settled on UPI.
Engineered for clarity, built for ease.
Explore PerSplit's full suite of splitting, settlement, and offline synchronization capabilities.
Exact Integer Paise Math
Calculates down to the exact paisa so remainder cents are deterministically distributed. Your group balance always reconciles to ₹0.00.
4 Split Mechanisms
Split equally, by percentage shares, exact custom amounts, or unequal proportions with real-time percentage allocation validation.
Multiple Payers Supported
Multiple members can contribute different amounts toward a single bill (e.g. Brijesh paid ₹3,000 and Akshat paid ₹2,000 for rent).
Smart Debt Simplification
Computes the absolute minimum transfers needed to clear group debts, eliminating circular payments and reducing transactions by up to 60%.
One-Tap UPI App Handoff
Tap "Pay via UPI" to launch Google Pay, PhonePe, Paytm, or BHIM with the payee's UPI address and exact amount pre-filled.
Two-Way Confirmation
Payments require payee verification before group balances rebalance, preventing incorrect claims or mistaken transactions.
6-Char Invite Codes & QR
Invite roommates and friends in seconds with lightweight 6-character codes, direct WhatsApp share links, or scannable QR posters.
Realtime Live Updates
Get instant updates when someone adds an expense, confirms a payment, or invites a new member to the space.
Financial History Protection
Expenses tied to active settlements are automatically locked against edits or accidental deletion to preserve trust.
Local Device Storage
Expenses, groups, and settlements are written instantly to your phone's database. Zero lag, zero spinners, zero waiting.
Smart Ordered Sync
Your offline changes are queued in logical order so parent entities (like a new group) sync before child expenses.
Automatic Reconnection
The moment your phone reconnects to 4G/5G or Wi-Fi, PerSplit synchronizes in the background with zero data conflicts.
Personal Expense Bookkeeping
Log individual daily spends across 9 categories (Food, Travel, Utilities, Rent, Shopping) separate from group ledgers.
Monthly Spending Insights
See clear visual progress bars showing your personal vs. group expenditures and category budget distributions.
Full Audit History
Every transaction, payment, and settlement is recorded with timestamps so everyone has complete peace of mind.
Private Contact Matching
Your address book is never uploaded in plaintext. Phone numbers are matched privately on your device to protect your privacy.
Device-Level Encryption
Your phone number and UPI ID are safely encrypted at rest, preventing unauthorized access or data exposure.
Startup Security Verification
PerSplit runs an automatic security check every time you launch the app, ensuring your local storage and connections are secure.
Cut group transactions by up to 60%.
Instead of multiple friends passing money in circles, PerSplit calculates net positions and shows only the exact minimum payments needed.
On trips or living with flatmates, friends frequently pay for each other on different days. This creates confusing loops where A pays B, B pays C, and C pays A.
PerSplit automatically solves this mathematical puzzle in milliseconds. It tells everyone exactly who to pay and what amount, eliminating 50% or more of unnecessary money transfers.
Record expenses in the wild. PerSplit syncs when you return.
Highways, basement restaurants, flight cabins, and trekking camps shouldn't stop you from splitting bills. PerSplit saves everything safely on your phone and synchronizes seamlessly when you're back online.
Pay without copying UPI IDs or switching apps manually.
Settling debts usually means opening notes, copying a phone number or VPA, switching to Google Pay, pasting it, typing the amount, and remembering to tell your friend. PerSplit completes the entire loop in seconds.
Tap "Pay via UPI"
PerSplit resolves your friend's verified UPI ID and builds the payment link.
Pay in Your Banking App
PhonePe, GPay, or Paytm opens with the exact paise amount and note filled in.
Two-Way Verification
The payment is recorded as pending verification. Your friend verifies with one tap.
Built for trips, flatmates, and daily hangouts.
Create spaces in seconds. Invite friends with simple 6-character codes, scan dynamic QR posters, or send WhatsApp links.
Track your personal budget alongside shared bills.
PerSplit isn't just for splitting with others. Keep a clean personal record across your daily dining, bills, commutes, and shopping in the same unified app.
September Spending
Your contacts and financial data stay private.
We believe an expense app shouldn't harvest your phonebook or share your banking details. PerSplit is designed with strict privacy protections from day one.
Private Contact Matching
Your address book is never uploaded in plaintext. Phone numbers are converted into private cryptographic codes directly on your phone so nobody else can read them.
Device-Level Protection
Your phone number and UPI ID are securely encrypted on your device. Only you and friends you explicitly settle with ever see payment details.
Tamper-Proof History
All payment submissions, approvals, and settlements are permanently logged with timestamps, completely preventing disputes or altered claims.
Why switch to PerSplit?
See how PerSplit makes splitting bills simple, fair, and fast compared to paper notes, chat groups, and spreadsheets.
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What You Get
Everyday bill splitting
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Paper Notepad
Writing it down
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WhatsApp Group
Chatting back and forth
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Spreadsheet
Excel or Google Sheets
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SMART & EASY
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|---|---|---|---|---|
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Exact Split Down to ₹0.01
Nobody loses money or overpays; every paisa is accounted for
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Math mistakes & missing change | Rough estimates & rounded numbers | Rounding errors that don't add up | 100% exact to ₹0.01 with zero lost paise |
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Works Anywhere Offline
Add bills on road trips, mountain trails, or flights without Wi-Fi
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Stays on paper; friends can't see it | Useless without mobile data | Awkward on phones; edits clash without net | Saves safely on your phone and syncs when back online |
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Fewer Payments to Settle Up
Combines group debts so you only make 2 or 3 payments instead of 10
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A confusing mess of who owes whom | Non-stop confusion in group chat | Hard to calculate without complex formulas | Combines debts automatically to cut payments by up to 60% |
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1-Tap Payment in GPay & PhonePe
Opens Google Pay, PhonePe, or Paytm with the exact amount ready
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Cash only; no links to payment apps | Typing long UPI IDs into chat manually | Copying and pasting UPI IDs across apps | Opens your UPI app with friend's ID & amount already filled |
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Both Friends Confirm Payments
You tap paid, your friend confirms with one tap — no awkward questions
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Easy to forget who actually paid | Screenshots cluttering group photos | Anyone can tick a box without real proof | Dispute-free: friend confirms receipt with 1 tap |
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Split Any Way You Want
Split equally, by exact amounts, percentages, or custom shares
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Hard to calculate uneven orders on paper | Long messages trying to figure out who ate what | Need to set up custom multi-column formulas | Equal, Exact, Percentage, or Shares in just 1 tap |
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Connect With Friends Privately
Find friends on PerSplit without sharing your phonebook with our servers
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Private, but only you can see it | Everyone's phone number is exposed in the group | Shared spreadsheet links can be forwarded anywhere | Find friends safely without uploading your contacts |
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Clear History of Every Change
See who added or edited each bill with date and time, so no bills go missing
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Pages get lost, torn, or coffee-stained | Messages get deleted or lost in long chat threads | Accidental edits can erase numbers without warning | Clear activity log with time & date for every edit |
Designed for every shared expense.
Whether you are managing an apartment with flatmates or going on a cross-country trip, PerSplit keeps balances tidy.
Flatmates & Roommates
Split monthly apartment rent, maid wages, Wi-Fi bills, and shared groceries without messy Excel sheets.
Travel & Vacations
Track flights, resort stays, fuel stops, and group meals. Works completely offline when network towers drop.
Friends & Dining Out
Split weekend dinners, movie tickets, and parties without someone getting short-changed on decimal paise.
Personal Spending
Keep a private personal ledger across food, utilities, shopping, and health in the same unified app.
What we're building next.
We are committed to full product transparency. Here are upcoming capabilities currently in development.
Receipt OCR Scanning
Smart camera receipt parsing to automatically itemize and split restaurant bills directly from photos.
PDF & CSV Statement Export
One-click statement exports for tax filing, room reconciliations, and expense bookkeeping.
Biometric App Lock
Secure your financial ledger using fingerprint and Face ID whenever you open the app.
Dynamic Dark Mode
Full high-contrast dark theme for comfortable low-light expense tracking.
Frequently Asked Questions
Clear, straightforward answers about how PerSplit works, how UPI settlements are handled, and how your privacy is protected.