Built for India · UPI-native

Split expenses.
Settle over UPI.
Stay friends.

Spendes makes group spending effortless — split any bill, track every rupee, and settle up in a single UPI tap. Budgets, goals, and insights 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.”

🎯

Budgets & goals

Set monthly category budgets and savings goals. Spendes nudges you before you overspend, not after.

📊

Smart insights

See where your money actually goes with clean, glanceable analytics across categories, people, and time.

🏦

EMIs & investments

Track loans, EMIs, and your investment portfolio alongside daily spending for a complete money picture.

🔔

Notifications & disputes

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

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

Snap in what you spent and who it was for. 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.
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.