Spendthrift Spendthrift
Spendthrift Spendthrift

One ledger. Bought once.

A personal finance app that budgets and splits shared bills in one place, and keeps every record on your own phone.

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Your money does not live in two apps. Why do your records?

Budgeting and splitting are two halves of the same event

Split a dinner four ways and your budgeting app records that you spent the entire bill. Your splitting app knows who owes what, and nothing about your budget.

THE SAME DINNER, IN TWO APPS Your budgeting app Dinner, Bandra₹3,200 Food envelope₹3,200 gone It records the whole bill as money you spent. Wrong by 2,400. Your splitting app Priya owes you₹800 Rohan owes you₹800 Meera owes you₹800 It knows who owes what, and nothing about your budget. Neither one knows the whole event, and they will never talk to each other.

One dinner. Two apps. Two wrong answers.

Split a dinner four ways and your budgeting app records the whole bill as money you spent. Your splitting app knows who owes what, and nothing about your budget.

THE SAME GAP, ON A BILL NOBODY CALLS AN EXPENSE WHAT YOU PAID ₹42,000 rent for the flat, from your account YOUR BUDGETING APP SAYS ₹42,000 you spent forty two thousand and it is wrong YOUR SPLITTING APP SAYS ₹31,500 three people owe you and it never reaches a budget Only ₹10,500 of that rent was ever yours. Neither app can say so, because neither one can see the other half.

The same gap, on a bill nobody calls an expense.

You pay the whole rent and your budget records the whole rent. Three quarters of it was never your spending.

Split a dinner, and only your share lands in your budget.

The bridge

The part you fronted for everyone else sits in its own line, owed back to you, because it was never your spending. Two separate companies with two separate databases cannot do this. One ledger can.

Split a dinner four ways and only 800 of it is yours.

You paid 3,200 for dinner. Only 800 of it was your dinner. The rest is owed back to you.

TOTAL

Your envelope moves by 800, not by 3,200.

Eating out envelope before
₹4,800
Eating out envelope after
₹5,600
Owed back to you after
₹2,400

Your envelope moves by 800, not by 3,200.

Your eating out envelope moves by 800, not by 3,200, and the 2,400 sits on its own line until it comes back to you.

Four things, in the order you meet them.

Plan, capture, share, understand

Everything the app does falls under one of these four, every time, in this order.

TOTAL

Income arrives once and is assigned five times.

Income, September
₹50,000
Rent
₹20,000
Groceries
₹12,000
Eating out
₹6,000
Transport
₹4,000
Entertainment
₹3,000
Still to assign
₹5,000

Income arrives once and is assigned five times.

Every rupee of September's income has a job before any of it is spent, and what is not yet assigned is shown rather than hidden.

FOUR WAYS IN

Four ways in, and you can use none of them.

Share it
A statements folder
Your statement mailbox
Bank text alerts

Four ways in, and you can use none of them.

Share a receipt from any app, point us at a statements folder, connect a statement mailbox your phone reads directly, or turn on bank text alerts on Android. All optional.

SIX DEBTS TWO PAYMENTS Priya Rohan Meera Aditi Everyone owes someone. Priya Rohan Meera Aditi no app ₹620 Priya pays Rohan ₹450 Aditi owes Rohan, still Two payments clear the group. Aditi never installed anything. Her 450 is tracked and shown, and settled outside the app.

Six debts between four people become two payments.

Four people, six debts, two payments. Aditi has no app, so what she owes is tracked and shown rather than quietly dropped.

640 left going into Sunday.

A 3,500 food budget, read on Saturday night. Thursday took 1,260 of it, and 640 is left going into Sunday.

A target, a floor, and what is safe to spend today.

The budgeting half, planning

Budgeting is the half of this the price actually buys. A target for a category, one number for what is safe to spend right now, a savings goal that states plainly whether you are ahead, and income that is never assumed to arrive as a monthly salary.

RANGE

A target is a sum, a date, and the monthly figure it implies.

Eating out cap progress
₹4,100
Savings goal progress
₹18,700
Debt cleared progress
₹46,750
Annual bill progress
₹7,500

A target is a sum, a date, and the monthly figure it implies.

Four kinds of target, on any category: a monthly cap, a sum by a date, a debt cleared by a date, and a large annual bill spread across the months.

TOTAL

One number, and you can see what it is made of.

In hand
₹46,200
Assigned to bills
₹28,000
Committed this week
₹4,600
Safe to spend
₹13,600

One number, and you can see what it is made of.

Money that has actually arrived, less what already has a job and what is committed this week. What is left is what you can spend today.

₹40,000 by June. ₹3,300 a month. ₹1,100 behind.

A goal states the amount, the date, the monthly figure it implies, and whether you are ahead or behind. Nothing else.

How long what you have actually lasts.

One falling line and one number: what is in hand, and how many days it lasts at the rate you are going.

Every account, a year of spending, and what a little more actually does.

The budgeting half, the full picture

Net worth as the distance between what you own and what you owe, a month of spending read by category, what paying a little more off a loan actually does, and a statement checked against your own ledger.

What you own and what you owe, over a year.

Twelve months of what you own and what you owe. The distance between the two lines is your net worth.

Rent is nearly half of everything you spent.

One month of spending, by category. Rent is nearly half of everything.

What paying a little more actually does.

Two lines: the loan as scheduled, and the loan with two thousand more a month. Eight months earlier, and 9,400 of interest you do not pay.

RANGE

One entry accounts for all of it.

Statement total
₹41,880
Ledger total
₹40,680
Difference
₹1,200
Bus pass, statement only
₹1,200

When the statement and your ledger disagree, find out why.

Compare your statement against your record, see the difference as a number, and see exactly which entry accounts for it.

A household that never settles up, and does not have to.

The household

Many households share a life and a pot, allocate rather than split, and never settle. No reminder, badge or nudge appears anywhere, and the defaults are chosen with the same care.

A household that never settles up, and does not have to.

Many households share a life and a pot, allocate rather than split, and never settle. The balance is there when you want it and silent when you do not.

THE DEFAULTS THAT KEEP THIS FROM MAKING YOU LOOK MEAN Rounding, on ₹333.33 each becomes ₹333 each Nobody is billed to the paisa. A floor you set Under ₹50 is not worth a ledger entry You choose the number, once. My treat One tap, on any expense, and it is yours Generosity, as quick as splitting. The defaults are the ethics. An app where billing a friend thirty rupees costs no trouble at all is teaching something. These three are on before you arrive, and you can change all of them.

The defaults are the ethics.

Rounding is on, there is a smallest amount worth recording, and marking an expense as your treat takes one tap.

HOME Four people, five recurring bills, five different rules BILL HOW IT SPLITS EACH MONTH Rent by room size ₹42,000 Electricity equally ₹3,200 Groceries by percentage ₹12,000 Internet mine, not shared ₹1,200 TV cable yours, not shared ₹800 The internet is mine and the cable is yours, and neither one ever enters the other person's share. One group. Nobody has to agree a single rule for everything in it.

Five bills. Five different rules. One group.

Rent by room size, electricity equally, groceries by an agreed share, and the internet and the cable belong to one person each.

Join now and you never pay. Everyone after you pays more.

What the payment is

Joining a group is free, permanently, for everyone, including people who never install it. The purchase buys this version and every update to it, permanently; a next major version, years away on an eight year cycle, is its own purchase, and nobody is pushed onto it.

Join now and you never pay. Everyone after you pays more.

Whatever you pay on the day you install it, you pay once, and it never rises again for you.

ONE GROUP, FOUR PEOPLE You paid once, then able to create groups Paid Priya has the app, never paid Free, permanently Rohan has the app, never paid Free, permanently Aditi no app at all Free, permanently Splitting is free for everyone in the group, permanently, including the person who never installs it.

One person paid. Four people are in the group.

Splitting is free for everyone in the group, permanently, including the person who never installs anything.

ALWAYS FREE THE ONE PAYMENT Join any group Be counted in a split Settle up outside the app Leave, and keep your record Create your own groups The whole of budgeting Every update to this version Never revoked, never expires And the part we will not be coy about Our product cycle is eight years. The next major version, when it eventually arrives, is its own purchase. Nobody is pushed onto it, and the version you bought keeps working and keeps being fixed. Anything paid for is additive. Nothing you have is ever taken away to sell back to you.

Everything paid for is additive.

The purchase covers this version and every update to it. The next major version, years away, is its own, and nobody is pushed onto it.

Everything that matters is on your phone.

Why there is nothing to leak

The arithmetic runs on your device, and so does the reading of receipts and statements. Where information travels between members of a group it is scrambled before it leaves, and this is the same decision that lets the app be sold once.

YOUR PHONE Every transaction you record Your envelopes and budgets Receipts and statements you import The arithmetic, run here The keys, in the secure enclave Works with no account and no connection. OUR SERVER Sealed messages it cannot open Nothing readable only for groups

Everything that matters is on your phone.

Your transactions, budgets, receipts and keys stay on your phone. The app works with no account and no connection at all.

WHAT THE GROUP READS WHAT OUR SERVER SEES Dinner, Bandra 3,200, split four ways Paid by you Thursday, 8:42pm a3 f1 9c 2e 77 b0 41 dd 8a 0c 5f e9 12 6b 34 aa 90 1f d7 82 4e c3 55 08 bf 26 e1 91 3a 6d 70 cc 18 5b f4 02 The people in your group hold the key. We hold the message. Never the key. This is a property of how it is built, not a policy in a document. Policies change when a company changes hands. Properties do not.

We hold the message. Never the key.

The people in your group can read the message. Our server stores it and cannot open it.

ONE DECISION Your records stay on your own device We cannot read them Not as a policy we could change later, but because the key never leaves your phone. There is almost nothing to run The arithmetic happens on your device, so serving one more person costs us next to nothing. The same choice produces both. It is why the promise can be kept, and why it is bought once.

The reason we cannot read your records is the reason it is bought once.

Records staying on your own device is the reason we cannot read them, and the reason it can be bought once.

Rebuilt after an accountant took the first plan apart.

Where this comes from

We did not set out to build a finance app. An accountant took the first plan apart: importing statements produces accurate history and changes nobody's behaviour, and a monthly review produces a resolution while a weekly one produces an observation you can still act on. The plan was rebuilt around that objection. Read the full story.

ASKED FOR, FOR YEARS. BUILT HERE. Pay off one specific expense not just a netted balance asked for since 2012 Record a partial payment half now, half later Buy it once instead of renting it forever Split the bill line by line so the non-drinker does not pay for the wine Split by what each earns set once, applied to everything Settle one trip inside a group without a second group of the same people Works without everyone installing it the group works at the table None of this is new thinking. It is a list of things people asked for and did not get. Every one of them is in the first version.

Asked for, for years. Built here.

Pay off one expense, record a part payment, buy it once, split line by line, split by what each earns, settle one trip inside a group, and work when not everyone has installed it.

WHAT THE APPS BEFORE US GOT RIGHT Zero-based budgeting Give every rupee a job before you spend it. Envelope budgeting A pot per purpose, shared between two people. Group splitting Unequal shares and debts simplified, done so well it became a verb. Account aggregation Every account on one screen, so nothing is forgotten. Cash flow and bills Seeing what is coming before it arrives. Subscription auditing Finding the annual charges you forgot you agreed to. Every one of these is a good idea, and we have taken all of them. What none of them does is the other half: a budget that cannot split, or a split that never reaches a budget. That gap is the entire reason this exists.

Everything the apps before us got right.

Zero-based budgeting, envelopes, group splitting, account aggregation, cash flow, subscription auditing. All good ideas, and we have taken all of them.

WHY A WEEK, AND NOT A MONTH A MONTH one look and the money has gone A WEEK look 1 look 2 look 3 look 4 three of them arrive while the month can still be changed day 1 day 30 A month produces a resolution. A week produces an observation. One of those you can still act on.

Why a week, and not a month.

On a monthly cycle you find out on the 31st, when the money is gone. On a weekly one you find out on the 24th, with four days still yours.

The first cohort never pays.

Join before launch and the app is free for you, permanently. After that, the price only ever goes up. We will email you when it launches. Nothing else.

This site sets no cookies and runs no analytics. The only thing this form transmits is the email you type, when you press the button, to a spreadsheet we control, used only to tell you about the launch.