Paiso01 · Add
Add it in seconds
Type it in or scan the receipt, and pick who was there. On iPhone you can just ask Siri.
Coming soon to iPhone, iPad and Android
Split bills.
Keep friends.
Paiso keeps every shared rupee, euro and dollar straight. Log it in seconds, split it any way you like, and settle up without the awkward texts.
- Free, every feature
- No ads, ever
- Never moves your money
₹INR€EUR$USD£GBP¥JPYAEDDirhamS$SGDA$AUDC$CAD₩KRW฿THBCHFSwiss francR$BRL₺TRYRpIDRRMMYR₱PHP₫VNDzłPLNkrSEK৳BDT₨NPRRZARHK$HKD
How it works
Add it. Split it. Settle it.
Three steps from “who paid for dinner?” to all square.
02 · Split
Split it your way
Equally, by exact amounts, percentages or shares, or item by item from a scanned receipt. Several payers? Easy.
03 · Settle
Settle up, simply
Paiso works out the fewest payments for the whole group. Pay however you like, then tap Record.
Shared groups
Everyone sees the same bill.
Make a group for the trip, the flat or the office lunch crew. It lives on every member's phone, and when anyone adds an expense, everyone's balances update in seconds.
- Syncs for every memberEdits, deletes and settle-ups reach the whole group, even after a night offline.
- See who's inEvery member shows as Joined or Invited, so nobody slips through.
- Join with one tapShare a link or a QR code, or paste an invite code in the app.
- iPhone and Android, one groupFriends on either platform share the same group and the same numbers.
A QR for every group and person
Each one is unique, with the Paiso P at its heart. Point a phone camera at it to join the group or add you.
See who's already here
Search your contacts and add friends in a tap. Matching happens privately, with one-way hashes.
Invite by text or email
Texts go from your own number, never from us. Tap the link, install, and you're in the group.
Receipt scan
Snap the bill. We'll split it.
Paiso reads the total, the place, the date and every line item, right on your phone. Receipt photos are never uploaded.
- Camera, screenshot or PDFScan a paper bill, pick a screenshot (UPI and card payments work too) or import a PDF invoice.
- Split item by itemTap faces to choose who had what. Tax and tips are shared in proportion.
- Reads the currency too₹, €, $, £, AED and more.
Money Coach
Know what loans really cost.
Add a loan, or import the statement your bank sent. Paiso reads the rate, EMI and payment date, works out what it costs you each day and reminds you before every EMI.
₹295/ day
in interest. ₹80.19 gone since midnight.
Every skipped impulse buy chips away at it.
Every skipped impulse buy chips away at it.
Reducing balanceSimple (flat)Compound
- EMI reminders two days before each payment goes out.
- Moratorium-aware. Scan a statement with a moratorium and the maths follows it, charging interest on the principal only until your first EMI.
- Never stored. Loan documents are read on your phone, then discarded.
- Lending to a friend? Track it with simple or compound interest, worked out to the day.
Everything, free
Small app. Big brain.
Every feature is included. No paywalls, no daily limits, no ads.
Insights
Categories, months and trends, charted. See where your share goes.
Every currency
Each expense keeps its own currency. Totals land in yours, at live rates.
iPhone
“Split it?” after you pay
Pay with Apple Pay and Paiso asks if it was a group thing. One tap and it's split. Prefer quiet? Switch it off.
Search, Siri and Shortcuts
Find any expense in a blink. On iPhone, just ask Siri or build a Shortcut.
Privacy
Private by design.
When Paiso looks for your friends, only one-way hashes leave your phone. Receipts and loan documents are read on your phone and never uploaded.
What leaves your phoneSHA-256, one way
Ledger only
Paiso records who paid what. It never moves, holds or touches your money.
Documents never stored
Loan papers are discarded as soon as they're read, and receipt photos never leave your phone. Only the numbers you confirm are kept.
Contacts stay yours
Your address book never leaves your phone. The server compares hashes, returns the matches and keeps nothing you sent.
No ads, no tracking
No ad networks, no cross-app tracking, and we never sell your data.
Face ID or fingerprint lock
Lock the app with your face or fingerprint. Sync is encrypted in transit, and your session is kept in the Keychain or the Android Keystore.
Delete any time
Delete your account and cloud data from Settings whenever you like. Export your ledger as CSV first if you want a copy.
iPhone, iPad and Android
One ledger. Every screen.
Paiso is built natively for iPhone, iPad and Android. Sign in on any of them and your ledger comes along, and shared groups sync for every member, whatever phone they carry.
- iPhone
- iPad
- Android phones
- Android tablets
“Split it?” prompts after Apple Pay, Siri and Shortcuts are on iPhone only.
Questions
Good to know.
The short answers. There are more on the support page.
All answers on SupportWhat is Paiso?
Paiso is a free app for splitting bills and shared expenses with friends, flatmates and trips, on iPhone, iPad and Android. It's made by Vaibhav Mangroliya (VKKM), and its home is paiso.net. It isn't connected to other apps or companies that use the name Paiso. More about Paiso
Does Paiso move money?
No. Paiso only records who paid what. Settle up however you like, such as UPI, cash or a bank transfer, then record it in the app.
Is Paiso free?
Yes. Every feature is free, with no ads and no daily limits.
Is Paiso a Splitwise alternative?
Yes. Paiso does the everyday bill-splitting jobs: shared groups that sync for everyone, splitting equally, by exact amounts, percentages, shares or item by item, and settling up in the fewest payments. Every feature is free, with no ads and no daily limits.
Does Paiso work with UPI?
Yes. Paiso never moves money, so you settle up however you like, with UPI, cash or a bank transfer, then record the payment in the app. Receipt scanning reads UPI and card payment screenshots too.
When can I get it?
Soon. Paiso for iPhone and iPad is on its way to the App Store, and the Android app is on its way to Google Play. Write to [email protected] and we'll tell you the day it launches.
How do shared groups work?
Create a group and add friends by name, email or phone, or from your contacts. Everyone who joins sees the same expenses and balances, and changes sync to every member within seconds.
Which currencies does Paiso support?
All of them. Each expense keeps its own currency, and totals are shown in your home currency at today's rate. You can set a default currency so you don't pick it every time.
How does Paiso know which of my contacts are on Paiso?
The app compares one-way SHA-256 hashes of your contacts' email addresses with registered accounts. Your address book never leaves your phone, and the hashes aren't stored.
Shared money, settled.
Free, with every feature included. Coming soon for iPhone, iPad and Android.
Tap one to write to us, and we'll email you the day it launches. Questions? Visit support.