Every tool you need to share money calmly
From multi-currency spaces to fair bill splitting and automated receipt scanning — discover every tool Traxpend offers to simplify your financial life.
Multi-Payer Expense Splitting
Beyond simple 50/50 splits
Split everyday expenses equally, by custom percentage, or proportionally by income. Support multi-payer transactions where multiple people contributed to a single dinner or bill.
Minimum-Transfer Debt Simplification
Settle in the fewest possible payments
Our graph settlement engine analyzes circular debts across your entire group and reduces them into the mathematical minimum number of payments so no one is stuck making five transfers.
AI Receipt Scanning (OCR)
Instant line-item and total extraction
Snap a grocery receipt, restaurant bill, or hardware invoice. Traxpend extracts merchant, date, tax, and line items in seconds so you never type manual amounts.
Category Budgets & 80% Alerts
Gentle nudges before overspending
Set monthly limits on groceries, dining out, or household maintenance. Receive calm, constructive alerts when spending reaches 80% — giving you time to adjust before month-end.
Monthly AI Reviews & Assistant
Calm analysis instead of overwhelming charts
Ask questions in plain English: "How much did we spend on takeout last month?" Receive actionable monthly summaries highlighting anomalies, recurring creep, and opportunities to save.
Bankless Privacy Architecture
No bank credentials, zero data selling
We believe shared finances do not require handing over bank logins. Add expenses by typing, speaking, or scanning. Your financial data is encrypted and never sold to advertisers.
Multi-Currency Travel Ledgers
Live foreign exchange conversion
Traveling internationally with friends? Record expenses in Euros, Yen, Dollars, or Dirhams. Traxpend converts to your base currency and balances debts smoothly.
Wishlist Voting & Shared Goals
Decide major purchases together
Plan household upgrades, vacation activities, or family purchases collaboratively. Upvote priorities and set shared savings targets together.
Frequently Asked Questions
Do all members in my group need an account to use Traxpend?
Each active member who wants to log expenses, vote on wishlists, or view real-time balances creates a free account. Free accounts support groups of up to 5 people; Pro expands this to 50 members.
Can I split bills by income rather than equally?
Yes. Traxpend includes built-in proportional income splitting. You can set fair percentages once for your household or use our free Fair Share calculator.
How does receipt scanning work?
Upload a photo or capture a receipt with your phone camera. Our OCR and AI models extract the merchant name, total, date, and suggested category automatically.
Does Traxpend connect to my bank account?
No, and that is intentional. Traxpend is completely bankless. You never share your banking usernames or passwords. This provides total privacy and eliminates sync disconnects.
Ready for calmer shared finances?
Free for up to five people, with no ads, no bank login and no card required.