Built for India · UPI-native

Split expenses.
Settle over UPI.
Stay friends.

Split any bill, settle up in a single UPI tap, and log an expense just by describing it. Budgets, goals, and a plain-English read of your month come built in.

Get early accessSee how it works
Coming soon to the App Store & Google Play
Goa Trip 🏖️
5 people · 12 expenses
A
R
M
+2
You're owed
₹3,100
Settle up via UPI
🍽️
Beach shack dinner
You paid · split 5 ways
+₹1,840
🛺
Scooter rental
Rahul paid · your share
−₹420
🏨
Beach villa
You paid · split 5 ways
+₹1,680
Any UPI app — GPay, PhonePe, Paytm
Private by design
Settle in seconds, not days
Everything in one place

More than splitting bills

Spendes is a personal money tracker and a social settle-up app — so the way you spend with friends and the way you manage your own money finally live together.

👥

Group splits

Split any bill equally, by exact amounts, by percentage, or by shares. Spendes keeps a running tab of who owes whom across every group.

⚡

UPI settle-up

Tap to settle and Spendes opens your UPI app with the payee and amount pre-filled. No screenshots, no “I’ll pay you later.”

✍️

Type it, don’t tap it

“Spent 250 on groceries yesterday.” Spendes reads the amount, category, date and payment method, then shows you the draft before anything is saved.

✦

Your month, in words

A short, honest read of where your money went — category by category, against last month, and against the budgets you set. Written from your real numbers, and shown beside them.

🎯

Budgets, goals & portfolio

Category budgets, savings goals, EMIs and investments in one place — so you see the whole picture, not just this week’s spending.

🔔

Notifications & disputes

Frictionless splits with a notifications inbox — flag or dispute a charge in a tap, no awkward conversations.

New

Describe it. Spendes does the filing.

Logging an expense should take about as long as saying what you bought. And at the end of the month, your numbers should tell you something — not just sit there.

Type it, don't tap it

Write it the way you'd say it out loud. Spendes reads the amount, the category, the date and how you paid — then shows you what it understood before anything is saved.

spent 250 on groceries yesterday
Here's what I understood
₹250
🛒 Groceries📅 Yesterday💳 UPI
Save expense
10 taps across 4 screens → 2 taps. The old way: keypad, category sheet, date picker, time picker, save.

Your month, in plain English

Not another chart. A short read of what actually changed — category by category, against last month, and against the budgets you set.

✦ September in words

You spent ₹42,350 in September, 11% more than last month.

Food & Dining rose 34%₹8,000 against ₹5,970 last month — and it crossed its budget on the 24th.
Weekends carry your spending47% of the month landed on Saturdays and Sundays.
Every figure is your own. The summary is written from the same numbers shown on your dashboard, and they're displayed right beside it — so you can check any sentence against the data it came from.
✓
It suggests. You confirm.Nothing reaches your books from a sentence — you see the draft and tap save, every time.
✓
It can't invent a category.It only ever picks from the categories already in your account, so your budgets and charts stay clean.
✓
It still works if the AI doesn't.If the model is slow or unavailable, Spendes falls back to its own parser rather than showing you an error.
One app, not two

Your money and your friends, finally in one place

Most apps make you choose: a personal budgeting tool, or a social bill-splitter. Spendes is both — and the two halves talk to each other.

🧑‍🤝‍🧑

Spend with friends

Trips, flatmates, dinners — split it any way and square up without the awkward chase.

  • Split equally, by exact amounts, percentage, or shares
  • Add friends by phone — they don’t even need the app yet
  • One-tap UPI settle-up with the amount pre-filled
  • Balances simplified to the fewest payments
📈

Manage your own money

Everything you spend, owe, save, and own — tracked in one clear picture.

  • Expenses & income with category budgets
  • Savings goals, EMIs, and investments
  • Net worth, savings rate, and cashflow trends
  • Know your real “money fronted,” not just your balance
Every split you make flows straight into your personal budgets, insights, and net worth — automatically.
Three taps

How Spendes works

From a shared bill to settled balances — without a single spreadsheet.

1

Add an expense

Type it in plain English — “dinner 1,200 last night” — or fill it in yourself. Then pick a group from your trip, flatmates, or a one-off.

2

Split it your way

Equal, custom, or by shares — Spendes does the math instantly and updates everyone’s balance.

3

Settle over UPI

Tap settle, confirm in your UPI app, done. Balances zero out and everyone gets a receipt.

The Spendes difference

Know your real cashflow — not just your balance.

Most apps show what's in your account. Spendes shows the money you've actually fronted for the group, so you always know what's coming back to you.

  • ✓ Track “money fronted” — what friends owe you in real time
  • ✓ Frictionless splitting — no friend-requests or approval gates
  • ✓ A clear settle-up history you can both trust
Money fronted this month
₹14,250
Settled via UPI
₹11,150
Questions

Good to know

Is Spendes free?
Yes — Spendes is free to use. A Pro plan with advanced insights and automation is planned for later, but splitting, settling, and tracking will always be free.
Which UPI apps does it work with?
Any UPI app on your phone — Google Pay, PhonePe, Paytm, BHIM, CRED and more. Spendes opens your preferred app with the payee and amount pre-filled.
Do my friends need the app to settle up?
No. You can invite friends by text, and settling happens over standard UPI — so anyone with a UPI ID can pay or get paid, app or not.
Does my share of a group bill show up in my own budget?
Yes — automatically. The moment you split a bill, your share is added to your personal spending, counts against the right category budget, and shows up in your analytics. No double entry, no reconciling.
Is Spendes only for splitting bills?
No. It’s a full personal money tracker too — expenses, income, budgets, savings goals, EMIs and investments — with net-worth, savings-rate and cashflow insights built in. Splitting is just one part.
Do I have to fill in a form for every expense?
No. You can just describe it — “spent 250 on groceries yesterday” — and Spendes works out the amount, category, date and payment method. It shows you what it understood as a draft; you confirm with one tap, or edit anything first. Nothing reaches your books without you agreeing to it, and it can only choose from categories that already exist in your account.
What does the AI actually see about my money?
Only what it needs for the thing you asked for. To read an expense, it gets the sentence you typed plus your list of category names. To write your monthly summary, it gets that month’s totals — spending by category, the comparison with last month, and your budget progress. It never receives your name, phone number, contacts, or your friends’ details. Our Privacy Policy names the provider and sets out exactly what is sent.
What if the AI gets something wrong?
You see every reading before it is saved, along with how confident it was — so a mistake costs you a glance, not a bad entry. If it cannot work out the amount or the category it says so rather than guessing, and hands you the normal form with everything it did understand already filled in. If the AI is slow or unavailable, Spendes falls back to its own parser instead of showing you an error.
Is my financial data secure?
Spendes never moves your money itself — payments happen inside your own bank’s UPI flow. Your auth tokens are stored in the device’s secure keychain, and we only keep the data needed to track your splits.
When is it launching?
We’re in active development and rolling out early access in batches. Join the waitlist below and we’ll send your invite the moment it’s ready.

Be the first on Spendes.

Join the early-access waitlist and start splitting smarter the day we launch.

One email when we launch. No spam, no sharing your address — unsubscribe any time.