UPI is the settlement, not an afterthought
Open GPay, PhonePe, Paytm, BHIM, or any upi:// app from the ledger. QR when handoff isn’t available.
India-first expense ledger
Split expenses. Settle with UPI proof.
Proof-backed UPI settlements for flats, trips, and groups. Built for flats, trips, and groups — balances only move after the receiver confirms.
- Settlements
- UPI-first
- Currency
- INR
- Ledger
- Proof-backed
Current & Calm
Home
NS
Net across groups
₹1,240.00
You are owed overall
Add expense
Settle up
Groups
K
Koramangala flat
+₹820
G
Goa trip ’26
−₹310
O
Office lunch
Settled
Recent activity
Groceries — More
Recorded expenses and completed payments appear here.
Why SplitSaathi
Not adapted from a US playbook. Designed for how India actually pays.
Most split apps stop at “mark as paid.” SplitSaathi treats settlement as a real payment flow — deep link, proof, receiver confirmation — so your flat chat doesn’t become the source of truth.
Proof before balances move
Attach a screenshot and UTR. Only the person receiving money can confirm — then the ledger posts.
Built around INR, GST, and Indian groups
Flats, trips, couples, events. GST and bill adjustments on expenses. Money formatted the en-IN way.
Features
Everything in the app, grounded in real flows
From expense entry to UPI confirmation — the same screens your group will use every day.
New expense
Dinner at Truffles
Total
₹2,480.00
Paid by Neeraj · INR
Equal
Exact
Shares
Items
Neeraj₹620
Aditi₹620
Rahul₹620
Priya₹620
Adjustments
GST · tip · service · discount
Expense entry — equal / exact / shares / items
Settlement
Pay Aditi
Amount
₹620.00
Proof before posted
Pay via UPI
Paid in cash
Open GPay · PhonePe · Paytm
Proof submitted. Only the person receiving the money can confirm — then balances update.
QR fallbackupi://pay?…
Settlement — pay via UPI, proof before posted
Splits that match the bill
Equal, exact amounts, shares, or itemized lines. Multiple payers, notes, categories, and GST / tip / service adjustments.
Groups & friends across ledgers
Trip, flat, couple, event, or business groups. Invite by link or QR. See who owes you across every shared group.
Audit-grade history
Edit and void with reasons. Version history and a full event rail so nothing mysteriously changes overnight.
Offline outbox
Queue an expense when the network drops. It posts with idempotency when you’re back online.
Recurring without the guilt
Weekly or monthly schedules. Reminders say a bill is ready to review — not that someone is late.
Import Splitwise. Export Tally.
Bring your Splitwise CSV over. Export CSV, PDF, Tally, or a full data-portability JSON.
How it works
Four steps from bill to settled ledger
Create a group ledger
Start a flat, trip, couple, or event. Invite with a link or QR — contacts are optional.
Add expenses the way the bill works
Split equal, exact, by shares, or itemized. Add GST and adjustments when the receipt needs them.
Settle over UPI with proof
Open your UPI app from SplitSaathi, pay, attach proof. The receiver confirms before balances update.
Keep an auditable trail
Edits, voids, and settlements stay in history — so the group always knows what changed and why.
Trust
Built like a ledger, not a chat thread
Public user counts and testimonials will appear here once we have them. Until then, these are product facts from the shipped app — not fabricated social proof.
Settlement model
Proof → confirm → ledger
Not “mark as paid”
Payment rails
UPI deep links + QR
GPay, PhonePe, Paytm, BHIM…
Migration
Splitwise CSV import
Bring your history along
Placeholder: Real testimonials and download stats will replace this block. We won’t invent quotes.
Compare
Where SplitSaathi differs from Splitwise
Factual differentiators from the shipped product — not a dunk. Splitwise remains a capable splitter; SplitSaathi is built around Indian settlement rails and ledger proof.
| Capability | SplitSaathi | Splitwise |
|---|---|---|
UPI deep-link settlement + QR Open Indian UPI apps from the ledger | Yes | No |
Receiver confirms with proof / UTR Balances update only after confirmation | Yes | No |
GST & bill adjustments on expenses CGST-style adjustments in the expense flow | Yes | No |
Expense edit / void with audit versions Full event rail + version history | Yes | Limited |
Splitwise CSV import Migrate without retyping history | Yes | — |
Tally CSV export For India business / accounting workflows | Yes | No |
Offline expense queue Outbox posts when you’re back online | Yes | No |
Cross-group friends balances Both track who owes whom | Yes | Yes |
Start a ledger your flat will actually settle
Download SplitSaathi for Android. App Store and Play Store links will replace these placeholders when listings go live.
Package: in.splitsaathi.mobile · Direct APK for early access