Features of the OweMe shared expense tracker
Every feature of OweMe's shared expense tracker: flexible bill splitting, spending charts, group settlements, recurring expenses and Trip Mode.
Flexible bill splitting
Split any group expense equally, by exact amount, by percentage, by shares, or item-by-item for a restaurant bill.
Categories & spending charts
Tag every expense with a category — food, travel, rent, and more — and see visual charts of where the group’s money actually goes.
Live balance tracking
A running view of who owes what to whom across every friend, updated the instant a new shared expense is added.
Settle up, solo or as a group
Settle one friend or an entire group in a single action. Everyone approves before it’s finalized, so nobody’s balance changes without their say.
Pay directly via UPI
When it’s time to actually pay, OweMe can hand off straight to your UPI app with the amount and payee already filled in.
Recurring expenses
Rent, WiFi, subscriptions — set them up once and OweMe adds the expense and splits it automatically, right on schedule.
Trip Mode with a budget pool
Start a trip, pool contributions toward a shared budget, tag expenses to it, and track a live "spent vs. pool" bar as the trip goes.
Activity timeline & nudges
Every expense, payment, and settlement is logged per friend, and you can send a nudge — polite, funny, passive-aggressive, or fully savage — if a balance has sat too long.
Groups
A real, persistent group with its own shared feed — add members, split expenses straight into it, and see group-only balances and suggested settlements at a glance.
Group polls
Where should we eat? Who’s driving? Settle shared decisions with a quick poll right inside the group’s feed — vote, watch results live, close it when you’re done.
Export to Excel or PDF
Download a friend’s or a group’s full ledger as a spreadsheet or a PDF whenever you need a record outside the app.
Manage friends & privacy
Block, unblock, or remove a connection whenever you need to — you’re always in control of who you share expenses with.
Personal notes
A private space that’s just yours — jot down reminders, budget goals, or anything else that isn’t itself a shared expense.
Ask OweMe
Ask plain questions like "who owes me the most" or "how much did I spend this month", get spending insights and debt-simplification suggestions, or just say "I paid 500 for lunch with Rahul" and confirm to log it — all from your own data, completely free.