The Operating System for Shared Money
Split expenses fairly, scan receipts with AI, budget together, and settle group debts in one tap. Built for couples, families, flatmates, and travel groups.
Built to solve the chaos of shared spending
Spreadsheets break on mobile
Formulas get corrupted, receipts sit unlogged in pockets, and nobody wants to open Google Sheets in a grocery line.
Mental math triggers tension
Who bought groceries? Who paid for Wi-Fi? Discrepancies cause awkward conversations between partners and housemates.
Endless round-robin payments
Four friends on a trip make 12 separate payment transfers instead of one mathematically minimized settlement.
Everyday tools for calmer household finances
Everything you need to split bills, track groceries, and stay within budget together.
AI Receipt Scanning
Snap a photo of grocery bills or dinner checks. AI instantly extracts totals, taxes, and items.
Debt Simplification
Smart graph algorithm minimizes circular group debts into the fewest possible direct payments.
Fair Share by Income
Equitable proportional bill splitting so partners contribute according to their take-home pay.
Bankless Privacy
Zero bank credentials or passwords required. Data is encrypted and never sold to advertisers.
Tailored for every group
For Couples →
Split joint bills 50/50 or by income while keeping personal accounts separate.
For Families →
Groceries, tuition, and utilities with role permissions and smart 80% budget alerts.
For Roommates →
Fair rent division by room square footage, utility splits, and instant UPI settle-up.
For Group Trips →
Multi-currency vacation ledgers with offline receipt capture and one-click settlements.
Free Financial Calculators
Simple, Honest Pricing
Start free with up to 5 people. Upgrade to Pro whenever your group expands.
Perfect for couples, roommates, and small travel groups.
- ✓ Unlimited expenses, never capped
- ✓ Up to 5 people per space
- ✓ Debt simplification algorithm
- ✓ Equal & proportional income splits
or $4.99 / month · ₹799 / year in India · local prices elsewhere, taxes included
For larger households, family groups, and power spenders.
- ✓ Up to 50 people per space, partner included
- ✓ AI Receipt scanning & OCR extraction
- ✓ Conversational AI financial assistant
- ✓ Calendar view for bills & recurring EMIs
Frequently Asked Questions
Do I need to link my bank account?
No. Traxpend is completely bankless. You add expenses by typing, speaking, or scanning paper receipts with AI. We never ask for your bank credentials.
How does debt simplification work?
When multiple people pay for different items on a trip or in a flat, circular debts arise. Our graph algorithm cancels out mutual debts so your group settles in the fewest direct payments.
Can couples split bills based on income?
Yes. Traxpend supports fair-share proportional splits where each partner contributes according to their take-home earnings (e.g. 60/40 or 70/30) without pooling personal bank accounts.
Ready for calmer shared finances?
Get started in seconds. Free for up to 5 people with zero credit card or bank login needed.
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