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Split bills in India and settle up with UPI

SplitSimple is a free expense sharing app built for Indian groups: split bills in rupees, then settle up with a UPI link that opens GPay, PhonePe or Paytm with the amount filled in. There are no ads and no daily limit, and the app speaks Hindi and seven other Indian languages.

Updated November 2026

Made for rupee groups

Every SplitSimple group has a currency, and new groups start in rupees. Amounts show in the Indian format (₹1,25,000, not ₹125,000), and you can split a bill equally, by percentage, by exact amounts, or item by item. There is no limit on groups or expenses, no ads, and nothing to unlock.

If someone pays in another currency on a trip abroad, add the expense in that currency and SplitSimple converts it into the group's rupee total. Eight currencies are supported: INR, USD, EUR, GBP, JPY, AUD, CAD and SGD.

Settle up with UPI in one tap

When the trip is over, SplitSimple works out the fewest payments that clear the group. Then, in a rupee group:

1. Open Settle up and tap the payment you owe.
2. Choose UPI. If the person you are paying has not saved their UPI ID yet, you can type it in (for example name@okaxis).
3. SplitSimple opens your phone's UPI apps (GPay, PhonePe, Paytm, BHIM or your bank's app) with the amount and a note already filled in.
4. Approve the payment in your UPI app as usual, then come back and confirm it in SplitSimple so the balance updates for everyone.

SplitSimple never sees your UPI PIN and never holds or moves money. It only prepares the payment request; your UPI app does the rest. Prefer cash or a bank transfer? Record that instead.

Want to try the maths first? Our UPI split tool works out each person's share without an account.

Use it in your language

SplitSimple's screens are available in English, Hindi (हिन्दी), Bengali (বাংলা), Marathi (मराठी), Tamil (தமிழ்), Telugu (తెలుగు), Gujarati (ગુજરાતી), Kannada (ಕನ್ನಡ) and Malayalam (മലയാളം). Change it any time in Settings. Each person in the group can pick their own language; the expenses and amounts stay the same for everyone.

How Indian groups use SplitSimple

A Goa trip with friends

Six friends, one villa, two scooters, a lot of beach shacks. Add the villa as one expense split equally, the scooter rental split between the four who rode, and dinner item by item so the person who only had a lime soda is not paying for someone else's seafood platter. At the end, SplitSimple turns a week of bills into a handful of UPI payments. The trip expense calculator is handy for a quick estimate before you go.

Flatmates in Bangalore or Mumbai

Rent, maintenance, electricity, Wi-Fi, the cook and the maid. Set rent up as a recurring expense so it is added automatically every month, and split it by exact amounts if one room is bigger. Groceries and the odd Swiggy order go in as they happen. When someone moves out, the balance is already worked out. Our rent split calculator helps you agree on a fair split by room size first.

Office lunch and chai runs

One person pays for the team's thali order today, someone else tomorrow. Make an office group, add each order in a few seconds, and settle once at the end of the month instead of sending ₹180 back and forth every day.

Weddings and family functions

Cousins splitting the sangeet decor, the band, gifts and travel for the baraat. Use percentage splits when families agree on shares (say 60:40), keep everything in one group, and use the group chat and per-expense comments so questions about a bill stay next to that bill instead of getting lost in the family WhatsApp group.

SplitSimple vs other apps used in India

Splitwise and Tricount details are from their own websites and app store listings, checked November 2026. "Not listed" means we could not find it there.

Splitwise is still a solid choice if your group already uses it, and its Paytm integration is useful in India. Tricount is great when friends do not want to sign up. For the full picture, see Splitwise alternatives and all comparisons.

Getting started

1. Open SplitSimple in your browser or the Android app and sign in with Google or email.
2. Create a group. Rupees is the default currency.
3. Share the invite link on WhatsApp, or share the group code.
4. Add expenses as they happen, then settle up over UPI.

On iPhone, use the web app in Safari and add it to your home screen; the App Store app is coming soon.

Related

• UPI split tool
• Rent split calculator
• Splitting costs on group trips

Sources (checked Nov 2026)

• Splitwise Pro page
• Splitwise on the App Store (US)
• Tricount home page
• Tricount: How to split expenses with friends
• SplitSimple features: checked against the SplitSimple app itself, November 2026.

Competitor apps change their plans and prices. If you spot something out of date, tell us through the support page and we will fix it.