Money, split fairly
Practical writing about tracking what you spend and sharing what you spend with other people — trips, flatmates, credit cards and the habits that actually stick.
How to split expenses with friends without it getting awkward
Group trips and shared dinners go wrong the same way every time. Here is how to keep the money part simple, and what an app should actually do for you.
How automatic expense tracking from bank SMS actually works
Manual expense apps fail because logging is a chore. Here is how SMS-based tracking removes the chore, what it can and cannot see, and why it stays on your phone.
Banks and payment apps supported by Track & Split
The full list of Indian banks, cards and payment providers whose SMS alerts Track & Split reads automatically — from HDFC and SBI to slice, CRED and Amazon Pay.
Settling up: why five friends do not need twenty payments
The maths behind minimising settlement payments in a group, explained with a real trip — and why doing it by hand almost always produces more transfers than necessary.
UPI AutoPay: how to find, track and cancel mandates you forgot about
AutoPay mandates are easy to create and easy to lose track of. How to see what you have running, cancel the ones you do not want, and never be surprised on payday.
Why credit card spending needs to be tracked separately
Adding card spends to your monthly outflow makes your budget wrong twice over. Here is what goes wrong and how to track cards without distorting your real cash position.
Sharing a flat: how to handle rent, bills and groceries without a spreadsheet
Flatmate expenses are harder than trip expenses because they never end. A practical system for recurring shared costs, uneven rooms and the person who buys all the groceries.
Why expense tracking fails, and what to do differently
Most people quit expense tracking within three weeks. The reasons are consistent and fixable — and mostly not about discipline.