Smart Settlements
Live balances that update the instant an expense is added, plus minimum-transfer settlements so your group clears up in the fewest payments possible.
- Real-time synchronization across every device
- Instant net-debt calculations for the whole group
- Minimum-transfer settlements with two-party confirmation
Where this fits in
Balances that update themselves
The moment someone adds an expense, every member's balance recalculates instantly - no refreshing, no one running mental math at the table.
Smart Settlements also works out the minimum number of transfers needed to clear a group, instead of everyone paying everyone back individually. Six people can settle a trip in two or three payments instead of fifteen.
When it's time to actually pay - by cash or a bank/UPI transfer you make yourselves - one side files a settlement claim and the other confirms it before the balance moves, so no one can mark a debt paid unilaterally. Direct in-app UPI payment is on our roadmap.
How it works
Three steps, no learning curve
Add an expense
Log who paid and how it's split - equally, by percentage, shares, or exact amounts.
Balances update live
Every member's net position recalculates instantly across every device in the group.
Settle with confirmation
SplitEase works out the fewest transfers needed; the payer files a claim and the payee confirms it before the balance changes.
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