Split the bill. Actually get paid back.
Split any expense in seconds. Your friends pay you back by scanning a UPI QR — no account, nothing to install. And you keep one running ledger across every group, so nobody has to remember who owes what.
- ₹0 to start
- No credit card
- Your money never touches our servers
Goa trip · your balance
+ ₹4,250
Kabir owes you ₹1,750
across 3 splits · scan to pay
Hotel
Aarav paid
Dinner
You paid
Your money never passes through Paisa. Payments go UPI to UPI, their bank to yours. We never hold it, never see it, and will never ask for your PIN, OTP or bank details.
Splitting is the easy part
Every app can divide a number by four. Getting the money back is where it usually falls apart.
They pay you back over UPI
Show a QR; they scan it with whatever UPI app they already have. Money moves bank to bank — Paisa never touches it.
Friends don't need an account
Send one settle-up link. They find their name, pay, and mark it sent. Nothing to download, nothing to sign up for.
One ledger, one nudge
If someone owes you across three groups, that's one number and one reminder — not three awkward messages.
Three steps, then it runs itself
Add the bill
Split it equally, by share, or by exact amounts. Paisa does the arithmetic.
Share the link
Friends open it, find their name, and pay by UPI. No account needed.
Watch it clear
Balances update as people pay. One nudge covers whatever's left.
One app, two jobs
Share money with others and keep an eye on your own — in the same place.
Split with friends
Create a group, add an expense, pick how it splits. Paisa tracks who owes whom, simplifies debts so everyone settles in the fewest payments, and lets them pay you back by UPI.
Groceries
split 3 ways
Tickets
you paid
Track your own money
Log income and personal expenses to see your monthly cash flow — income vs expense, net saved, and how much of next month is already committed.
Income
₹50,000
Expense
₹31,200
Saved
₹18,800
And everything else you'd expect
Every kind of split
Equal, percentage, exact amounts or shares — with debt simplification so everyone settles in the fewest payments.
Your own money too
Track income and personal spending alongside the shared stuff — net saved and savings rate, month over month.
Groups & workspaces
Trips, flatmates, clubs or a whole org, with roles and permissions that actually mean something.
Any currency
Rates are frozen per expense, so a Bangkok dinner never quietly changes what it cost you.
Reports worth reading
Where it went, what's committed versus discretionary, and what next month already costs before you decide anything.
Collections
Chasing contributions for a gift or a trip advance — track who's paid without a spreadsheet.
Works with no signal
Add an expense on the flight. It syncs the moment you're back online.
English and हिंदी
The whole app in the language your group actually chats in. One toggle, everything flips.
Quiet hours
Reminders wait for morning. Paisa never buzzes anyone at 2am on your behalf.
Fair questions
The things worth knowing before you hand an app anything to do with money.
Do my friends need to install anything?
No. Send them a settle-up link — they open it, find their name, pay from whatever UPI app is already on their phone, and tap “I’ve paid”. No account, no download. They can create one later if they want their own ledger.
Does Paisa hold my money?
Never. A UPI QR opens your friend’s own banking app and the transfer goes bank to bank. Paisa is not in the middle of the payment, holds no float, and will never ask for your PIN, OTP or bank details.
Is it really free?
₹0 today, with everything included — unlimited groups, expenses and members. Optional paid plans for teams and organisations may come later; if they do, you’ll get plenty of notice and the core stays generous.
What if the bill was in another currency?
Enter it in the currency you actually paid — baht, dirhams, dollars. Paisa converts it to the group’s currency and freezes the rate onto that expense, so a trip you settle months later still shows what it genuinely cost.
Can I use it just for my own spending?
Yes. Groups are optional. Plenty of people use Paisa purely to track their own income and expenses, with budgets, recurring bills and reports — and only make a group when a trip comes up.
Does it work in Hindi?
The whole app, not just a few labels. One toggle in settings flips every screen — and it applies to you alone, so your group can each read it in whichever they prefer.
The next dinner is on someone.
Make sure it isn't quietly on you. Start splitting in under a minute — ₹0, no card, nothing to cancel.
Create your account