SplitLedger AI • Modern Group Expense Ledger
Split shared expenses. Settle with zero friction.
The cleanest, most intuitive way for roommates, trips, and friends to track expenses, minimize debts, and settle instantly with dynamic UPI.
Net Position
+₹14,850.00
You are owed in totalReceivable:₹19,250
Goa Road Trip
4 MembersVilla & Food Stay₹32,400
Equal 4-way split₹8,100 / person
Settlement Optimized2 Payments Left
Instant Settle
Scan with UPI
GPay, PhonePe, Paytm
₹2,450 to Rahul
Status Ready
256-Bit Bank Grade Encryption
Zero-Knowledge Privacy
Standard NPCI Dynamic UPI
Fast Neon Cloud Architecture
Everything You Need. Nothing You Don't.
Built specifically for people who want fair, effortless shared expense accounting.
Effortless
Smart Group Splits
Add expenses in two clicks. Split costs equally, by exact amounts, or custom shares with automatic balance updates for every member.
Algorithmic
Optimized Debt Minimization
Proprietary graph algorithm minimizes total payments across groups. Instead of 12 confusing transfers, settle cleanly in 2-3 direct transactions.
Zero Friction
Instant Dynamic UPI Settle
Generates NPCI standard UPI QR codes pre-filled with the exact amount and payee. Scan with GPay, PhonePe, or Paytm with zero typing.