Engineered for Clarity, Built for Collaboration
Discover all 18 intelligent features designed to make tracking, splitting, and settling shared expenses effortless.
Personal Finance
Comprehensive tracking of your individual income, expenses, net balance, and financial trajectory with intuitive categorized records.
Expense Tracking
Instant transaction logging with payment method tagging (UPI, Card, Cash), merchant categorization, and receipt attachments.
Split Expenses
Flexible bill splitting that accommodates every real-world scenario: equal splits, exact amounts, percentages, or weighted shares.
Groups
Dedicated shared ledgers for flatmates, family units, workplace teams, and friend circles with live activity timelines.
Reports & Visual Analytics
Insightful financial health reports with category breakdown charts, monthly burn rate analysis, and exportable PDF/CSV reports.
Notes & Journal
Integrated financial journal to store notes, bill agreements, warranty records, and tagged memos with markdown support.
Budgets & Spend Limits
Establish proactive monthly spending budgets for food, shopping, entertainment, and utilities with automated progress tracking.
Trips & Travel Events
Tailored for group vacations and treks. Plan itineraries, estimate total trip expenses, and monitor budget variance in real time.
Peer Loans & EMIs
Track personal lending and borrowing with friends and family. Calculate simple or compound interest and automated EMI schedules.
Smart Greedy Settlements
Mathematical debt minimization algorithms that reduce multi-person debts to the absolute fewest direct payment transfers.
Contacts Ledger
Consolidated contact directory showing individual balances: exactly how much each friend owes you or you owe them across all groups.
AI Financial Assistant
Intelligent assistant ready to answer questions about your finances: 'How much did we spend on dining in Goa?' or 'Who owes me money?'
Voice Commands
Hands-free expense recording. Speak naturally: 'Paid 450 rupees for coffee split with Priya' and watch SplitLedger log it automatically.
OCR Receipt Scanner
State-of-the-art optical character recognition turns restaurant bills and store invoices into structured line items in seconds.
Real-Time Analytics
Live financial dashboard reflecting every payment, new group transaction, and settlement change with zero page reloads.
Notifications & Alerts
Customizable alert preferences ensuring you never miss an unpaid debt, budget threshold exceedance, or new group invite.
Responsive Dashboard
Engineered with fluid responsiveness for laptops, desktops, tablets, and mobile smartphones with zero layout shifts.
Dark Mode & Contrast
True OLED black dark mode paired with vibrant light mode, honoring system preferences and WCAG AA contrast standards.