SpendSync is India's smartest free group expense splitter + personal finance tracker. Settle debts via UPI in one tap. No app store. No storage wasted. Just install from your browser.
No account needed to get started · Works on Android & iOS
Goa Trip 🏖️
₹4,820 total
Net you're owed
+₹1,570
Every Indian friend group has these exact problems. You're not alone.
Asking your friend to pay back ₹340 from last month's dinner feels weird. So you just… don't. And it adds up.
"Wait, did you count the cab?" "Priya paid for lunch but Rahul didn't split the hotel." Six people, fourteen expenses, zero clarity.
You got paid on the 1st. It's the 15th. Your account says ₹4,200. You have absolutely no idea what happened.
Everything you need
Split group expenses and track personal finances — in the same beautiful app.
Create a group for flatmates, a Goa trip, or your regular dinner crew. Add friends, log expenses, see everyone's balance instantly.
Our algorithm collapses complex webs of debt into the fewest possible payments. 5 transactions become 2. Settle faster, stress less.
One tap opens GPay, PhonePe, or Paytm with the exact amount pre-filled. No account numbers, no screenshots, no confusion.
Track income vs expenses by category. Set monthly budgets with visual progress bars. Finally understand where your salary goes.
Full history of every transaction across all circles and personal accounts. Find that ₹340 from 3 months ago in seconds.
Log expenses on a Himachal trip with no signal. SpendSync syncs when you're back online. A true PWA built for India's patchy networks.
Smart Algorithm
After a group trip, everyone owes everyone something. SpendSync untangles the mess so you settle with the fewest payments possible.
Before (5 payments)
SpendSync
Simplification
After (2 payments ✨)
Built for India 🇮🇳
SpendSync knows your friend's UPI ID. Tap "Settle" and it opens your UPI app — GPay, PhonePe, or Paytm — with the exact amount already filled in. You just hit Send.
Settle with Rahul
₹950
via rahul@okicici
Open with your UPI app:
April Overview
Income
₹62,000
Spent
₹38,450
Top Categories
Food budget 88% used
₹1,800 remaining this month
Personal Finance Tracker 📊
Log every income and expense across multiple accounts — bank, cash, credit card. Set category budgets and get alerted before you overspend. No more "where did my salary go?" moments.
vs the competition
Good question. Here's what you're missing.
| Feature | SpendSync | Splitwise |
|---|---|---|
| Price | 100% Free | Free tier + $3.99/mo |
| UPI Integration | ✓ | ✗ |
| Personal Finance Tracking | ✓ | ✗ |
| Debt Simplification | Advanced | Basic |
| No App Store Required (PWA) | ✓ | ✗ |
| Offline Support | ✓ | ✗ |
| Ads | None, ever | Yes (free tier) |
| Built for Indian users | ✓ | ✗ |
Super simple
No tutorials. No onboarding videos. Just open and go.
Name your group — "Goa Trip," "Flat 4B," "Office Lunch Crew" — and add your friends by name or phone number.
Who paid, how much, and who was involved. SpendSync calculates everyone's share and updates balances in real time.
When it's time to square up, tap Settle. SpendSync opens your UPI app with the exact amount. Done. No drama.
Real users · Real love
"Used to fight with my roommates every month about rent and utilities. SpendSync literally fixed our friendship. The UPI settle button is pure genius — Rahul can't pretend he forgot anymore 😂"
Arjun Sharma
3rd year, IIT Delhi · Flatmate circle
"We did a 12-day Rajasthan trip with 7 friends. I was dreading the 'who paid what' calculation at the end. SpendSync turned 23 expenses into 4 payments. I nearly cried. Absolute lifesaver."
Meera Krishnan
Product Designer, Bengaluru · Travel group
"Bro. I didn't even know I was spending ₹8,000 on Zomato every month. SpendSync's personal budget tracker showed me that chart and I physically felt sick. Changed my life ngl."
Kabir Mehta
Software Engineer, Pune · Personal budget user
Install the PWA
SpendSync is a Progressive Web App — it lives in your browser but acts like a native app. No Play Store. No App Store. Zero storage wasted on your phone.
Open Chrome → tap the three dots menu → "Add to Home Screen." Done.
Open Safari → tap the Share icon → "Add to Home Screen." Just like a real app.
FAQ
Join 12,000+ Indians who've stopped fighting about money. Free forever. No download. Just open and go.
Open SpendSync Free →No account needed · No credit card · Works on any device