Smart Split — Shared Expenses and Groups

Smart Split keeps the shared expenses of a trip, a flat, an office lunch club or a couple in one place that everyone in the group can see. Each expense records what it was for, who paid and how it is shared — equally, by exact amounts, by percentage, by shares, with adjustments for what one person had extra, or item by item with tax, service charge, tip and discount. Balances, who owes whom and the fewest payments to settle are worked out on our server for everyone at once, so the whole group sees the same figures to the paisa.

1. Sign in with Google or an email link, then create a group: a name, its currency and the people in it. Add someone by name only, or with their email so the group joins their account when they sign in.
2. Send the people in the group an invitation link from Members, or tick “Email them an invitation”.
3. Add an expense: what it was for, the amount, who paid (one person or several) and how it is split. The parts appear as you type, worked out by the same rules that save it; an amount that does not add up is pointed out before you can save.
4. Open Balances to see each person’s balance and “Simplify debts” for the fewest payments. Pay by UPI, cash or bank, then press Record payment.
5. The person who was paid confirms it under Settlements; only then does it change the balances. Reports & export downloads everything as Excel, CSV, JSON or a printable report.
6. Save your UPI ID under More → Your settings, and anyone settling up with you gets your UPI app link with the amount filled in. There too: get emails as things happen, once a day, or never.
7. Lent someone money? Choose Loan in Add expense: who lent it, to whom, and when it is due back. Paying it back is a payment, in parts or all at once. For a wedding or a trip, set a budget under Totals to see what is left per category.
8. To keep the bill, press “Attach a receipt” in the expense form (or open a saved expense) and choose a photo or screenshot. “Read the total” reads it on your phone or computer and offers the amount it found; press “Use” only if it is right. A payment screenshot can be attached under Settlements → Screenshots.

• You need to be online: the balances are the group’s, kept on the server, so there is no offline mode.
• Each group keeps its books in one currency. An expense in another currency is converted at the rate you enter (with its date) and both amounts are kept; amounts in different currencies are never added together on the dashboard.
• Simplify debts finds the fewest payments for up to 16 people with a balance; beyond that it uses the largest-to-largest rule, at most one payment fewer than the people involved.
• Someone can leave a group, or be removed, only when their balance there is zero; their past expenses stay in the history.
• Repeating expenses are added once per date, in Indian time, within the hour the date starts. If one cannot be added — say someone in it has left the group — it pauses and tells the group why; nothing is added behind your back.
• Receipts and payment screenshots: photos, screenshots (JPEG, PNG, WebP) or PDF bills, ten per expense or payment. A PDF is turned into a picture of its first page on your device, and its total is read from the PDF’s own text. Reading the total works best on a straight, sharp photo of a printed bill; it reads English, and you always check the amount before it is used.
• Loans carry no interest: Smart Split records what was lent and what was paid back, not terms it cannot see.
• Reading a receipt item by item works on clear printed bills; check each item and price — the form tells you if they do not add up to the total.
• Emails go only to people who have signed in to Smart Split; someone added by name alone can be reminded from your own WhatsApp or messages.
• Unlike most tools on this site, Smart Split keeps what you enter in our server’s database (api.toolsdev.in), because the people in a group must see the same records. Only members of a group can see it: anyone else’s request for it is answered as if it did not exist. Other members see your name, never your email address. We never move money and cannot see your UPI app or bank: a payment counts because the person paid confirms it. A receipt or payment screenshot you attach is stored as a re-drawn copy without the location, camera or other details the original file carried, outside the public website, and is shown only to that group’s members; reading its total happens on your device. You can download everything at any time, and deleting your account removes your account and email while leaving your name on the groups you were in, so the other members’ books still add up.

₹100 cannot be divided three ways exactly. Two people owe ₹33.33 and one owes ₹33.34, so the parts add up to ₹100. The extra paisa goes to the largest remainder, and on a tie to whoever was added to the group first — the same answer every time, whatever order you ticked people in.

In proportion to what each person had. If your items were a third of the food, you pay a third of the tax, service charge and tip, and get a third of any discount.

An edit saves a new version and keeps the old one in the expense’s history; deleting takes it out of the balances but keeps it, and it can be restored. If someone else saved the same expense while you were editing, your save is refused so their change is not lost.

No. Smart Split never moves money. Pay in your UPI app, cash or bank as usual, then record it; it counts once the person you paid confirms they received it.

Yes. Add them by name and they can be part of expenses straight away. When they sign in with the email you added, or open the invitation link you send, they see the group with everything already in it.

Yes, under Reports & export: an Excel workbook, CSV files, a complete JSON backup, or a report to print or save as PDF.