SmartOwe keeps shared costs clear for trips, roommates and friends. Everyone sees where they stand, with no awkward maths and no awkward conversations.
Features
Simple enough for a weekend away, solid enough for a shared flat.
Trips, households, couples, family. Each group keeps its own members, category and currency, so nothing gets mixed up.
Pick each group's currency. Perfect for travel.
Equal, exact or by percentage, so nobody overpays.
Snap a photo of the bill. SmartOwe reads the items and amounts and suggests who had what.
How it works
Name it, choose a category and currency. Takes seconds.
Log who paid and how it's split. Balances update instantly.
See exactly who owes whom, in the fewest payments possible.
Trust & security
Money between friends is personal. We built SmartOwe so your groups are seen only by the people in them.
Groups are locked to their members at the database level.
Encrypted passwords, or one tap with Google.
We never ask for card or bank information.
Every request travels over HTTPS.
Pricing
$0 / forever
TBA
FAQ
Create your first group in under a minute. Free, private, no card required.
Get started free