Track & Split
Track what you spend.
Split what you share.
Your ₹800 share of last night's dinner is not just a debt to settle — it is ₹800 you spent on food. Track & Split keeps both in one ledger, so your month is actually your month.
Your SMS is parsed on your phone and never uploaded
From first expense to settled, in four steps
Personal spending fills itself in. Shared spending takes about ten seconds per bill.
Turn on tracking
Grant the SMS permission once and your bank alerts start becoming transactions — amount, merchant, account and all.
Make a group
A trip, a flat, an office lunch. Share the link and tapping it opens the group straight in their app.
Add bills as they happen
Who paid, how much, and who was in on it. Equally, by exact amounts, by percentage or by shares.
Settle in the fewest moves
The app reduces a tangle of debts to the shortest list of payments that clears everyone.
Your money does not care which app you filed it in
Most people run a tracker and a splitter separately, which makes both of them wrong.
Personal spending, entered for you
Banks already text you every time money moves. The app reads those alerts on your phone and files them. No typing, no receipts, no forgetting the Tuesday you spent ₹1,200 and cannot account for it.
How SMS tracking works →Shared bills, settled fairly
A group is a shared ledger with a chat inside it, so the argument about the bill happens next to the bill. Everyone sees the same running answer to who owes whom.
How splitting works →Built for the groups people actually have
Different shapes of shared money, each with its own way of going wrong.
Trips
Hotels, fuel, cabs, tickets and the one expensive activity only two people did. Log at the counter, settle once at the end.
Settle-up guide →Flatmates
Rent split by room rather than equally, utilities equal, groceries logged at the shop. A group that stays open month after month.
Flat sharing guide →Friends and office
Dinners, birthday plans, team lunches. Small amounts that add up and that nobody wants to be the one to chase.
Splitting guide →Just you
No group, no account, no sign-in. Automatic tracking, categories, stats, cards and reminders work entirely on your own phone.
All features →Built for how money moves in India
UPI, cards, AutoPay mandates and 46 banks that all write their SMS differently.
46 banks and providers
HDFC, SBI, ICICI, Axis, Kotak, PNB, Canara, Amex, OneCard, slice, CRED, Jupiter, Amazon Pay and more.
Stats that answer questions
Where the month went, by category and account, with daily, monthly and yearly views.
AutoPay reminders
A heads-up before a UPI mandate debits, so a subscription never surprises you the day before payday.
PIN and fingerprint lock
Your ledger is nobody else's business. Lock the app behind a PIN or your fingerprint.
Sound Box announcements
Hear the amount spoken aloud when money arrives — in English or Hindi, like a shop soundbox.
Your data, exportable
Take everything out as CSV whenever you want. It is your ledger, not ours.
Your messages never leave your phone
The part people ask about first, answered plainly.
Parsed on device
The SMS permission is used to read bank alerts and turn them into transactions locally. The parsing engine runs on your phone.
Never uploaded
Message contents are not sent to our servers or to anyone else. Your personal texts are not read, collected or stored.
Optional, always
Revoke the permission any time. Automatic capture stops; everything else keeps working, and you can add entries by hand.
Cloud sync applies only to the shared-expense features, and only if you sign in. The details are in our privacy policy.
Shared money, explained properly
Written to be worth reading whether or not you install anything.
How to split expenses with friends without it getting awkward
Nobody falls out over ₹300. They fall out over three weeks of nobody mentioning the ₹300. Which split style to agree on before the trip, why the group chat is a terrible ledger, and how to settle in the fewest moves.
Read the guideStop keeping score in your head
Free to use. Pro unlocks unlimited split groups and removes ads.
Get it onGoogle Play