About EasySplits
Split bills with friends and track your own money — free, offline-first, India-built.
Why this exists
Two problems Indian users have, neither solved well: splitting bills with friends, and answering “am I doing okay with money?”
Splitting billsshould be a 5-second job. In practice it's a mess: one person eyeballs the bill, types into a group chat, someone protests, the group settles via 6 different UPI transfers — and someone always forgets the chai bill from the morning. Splitwise solved most of this a decade ago, but its mobile web is sluggish, it doesn't default to INR, and the “Simplify Payments” everyone wants is paywalled. Tricount handles trips but not ongoing groups. So we built a Splitwise-style group splitter with INR-first defaults, simplify-payments-without-a-paywall, itemized bills, multi-currency, voice input, and a PWA that works on a Mumbai local with one bar of signal.
“How am I doing with money?” is harder. India has zero good free tools for it — Goalwise/Cube are paid, scripsense is broker-tied, banks push their own products. So EasySplitsships a 60-second Financial Health Scorecard: 5 pillars (Emergency fund, Insurance, Debt, Savings rate, Investing) scored against Indian rules of thumb (RBI, NCAER, IRDAI baselines). Plus a private encrypted tracker for income/expenses/investments, goals with progress bars, anomaly alerts when a category spikes, and achievement badges as you improve. None of it is “financial advice”; it's the rules of thumb your CA-uncle would tell you, made glanceable.
Both products live in the same install. You sign in once. The group side and the personal side share infrastructure (offline queue, push notifications, voice input, India-formatting) but never share data — your friends can't see your salary even if you share groups with them.
Principles
Math you can verify
Every algorithm — equal split, share split, simplify-payments, the 5-pillar scorecard — has a documented spec and a property-based test. The split logic and scoring rules are open source so you can read exactly how each number is derived.
Encryption at the field level
Personal-finance amounts and descriptions are encrypted with AES-256-GCM before they hit the database. Our hosting provider only ever sees ciphertext, not your salary. Group expenses are not encrypted (a group needs to see them).
Privacy by default
No third-party trackers. No selling data. Server logs purge expense descriptions and amounts within 30 days. The Split Bill Calculator runs fully client-side — nothing is sent anywhere.
Free, with light ads on the dashboard later
The standalone calculators are free forever and ad-free. The full app is free with no paywall on splitting a chai bill or seeing your scorecard. Future banner ads will live on the dashboard, never on add-expense or settle-up screens.
Who's building it
EasySplits is built and maintained by Pranay Mate, a senior full-stack developer based in Mumbai working on fintech and sports-tech products by day. The whole codebase is open source — read the algorithms, audit the privacy claims, file an issue if something is off.
Right now this is a one-developer project shipped in public. Roadmap, decisions, and progress are tracked openly in the GitHub repo. If you want to contribute, send a PR or start a discussion.
Get in touch
Bug, feature idea, or just want to say hi? Open an issue or start a discussion on GitHub. Public-by-default keeps everything honest.