Goa Trip
5 members
You get
₹ 3,250Split expenses with friends, groups and flatmates
Split expenses.
Stay friends.
Track shared expenses, see who owes whom, and settle up without the awkward math.
How it works
One expense. Everyone’s share.
Add what you paid, pick who was there, and Chikoo works out the rest — down to the last rupee.
Dinner
The Table · tonight
Paid by You · split 3 ways
You₹ 1,200
Priya₹ 1,200
Vinit₹ 1,200
You paid ₹ 3,600 · you get back ₹ 2,400
The old way
Stop doing math in WhatsApp.
No more spreadsheets, calculators, or scrolling through old messages to figure out who paid for dinner.
Who paid?
Wait, how much was dinner?
I think I owe you?
Was that ₹850 or ₹580?
I'll check my calculator
In Chikoo
Dinner₹ 3,600
- You paid
- ₹ 3,600
- Your share
- ₹ 1,200
You get₹ 2,400
Balances
Know exactly who owes whom.
One running total across every group and friend, always in your own currency.
Your balance
₹ 0
You get back
Priya
owes you
Vinit
owes you
THE TABLE
Dinner
- Paneer Tikka
- ₹ 420
- Pizza
- ₹ 650
- Drinks
- ₹ 380
- Service
- ₹ 150
Total₹ 1,600
Scanned
Dinner₹ 1,600
- Paid by
- You
- You
- ₹ 800
- Priya
- ₹ 800
Receipt scanning
Turn receipts into expenses.
Snap a receipt and let Chikoo do the boring part.
Chikoo reads the total and suggests the details. You check the figures before anything is saved — scanning is a head start, not a leap of faith.
Multiple currencies
Friends abroad? No problem.
Spend in pounds, settle in rupees. A group can hold expenses in several currencies at once, and everyone still sees a total that makes sense to them.
London trip
4 members
- Dinner
- £ 120
- Taxi
- £ 60
- Museum tickets
- £ 45
Your share₹ 11,340
Approximate — converted from GBP
Groups & friends
One trip. One group. Zero confusion.
Every group keeps its own expenses, members, balances and activity — so a holiday never leaks into the rent.
Flatmates
4 members
You owe
₹ 850Dinner Club
6 members
You get
₹ 420Activity
Everything that happened, in one place.
Every expense, edit and settlement, newest first — so nobody has to remember who added what.
- ₹ 2,050
You added an expense
Taxi · airport to home
2h ago
- ₹ 1,600
Priya added an expense
Dinner · The Table
Yesterday
- ₹ 850
Vinit settled with you
Goa Trip
Yesterday
Aman joined
Goa Trip
3 days ago
Bigger screens
More on screen. Less digging.
On a laptop or tablet there’s room to answer the whole question at once — what you owe, to whom, and what just happened.
Your balance, always up top
Total, owed, owing and last settled sit above your groups and friends in one column that scrolls on its own — reading the feed never drags them off screen.
Groups and activity together
On a phone these are two tabs, so the obvious question costs a navigation. Side by side, it doesn't.
Open an expense in place
Pick something from the feed and its split, its payer and its discussion appear in the column beside it — instead of a screen that replaces everything you were reading.
Chikoo keeps score.
Never your money.
No wallet, no escrow, no payments. Chikoo records who owes whom — you settle however you already do, and marking it settled just keeps the ledger honest.
Settling up
Settle up. Move on.
Chikoo works out the fewest payments that clear everyone — so three tangled debts become one transfer.
Three debts
YouPriya₹ 850
YouVinit₹ 1,250
PriyaVinit₹ 400
One payment
You pay
Vinit
All settled
Why Chikoo
The best expense splitting app.
Everyone says that, so here is what we mean by it — four things Chikoo does that the app you’re using probably doesn’t, and four that Splitwise charges for.
It never touches your money
Chikoo is a ledger, not a wallet. It works out who owes whom and stops there — no funds held, no transfers, no cut of a settlement. You pay each other however you already do.
It gets currencies right
A group can hold expenses in several currencies at once, and every balance stays exact in the currency it was entered in. Totals convert for display, and anything converted says so.
It reads your receipts
Photograph a receipt and it comes back as an expense — amount, merchant and date filled in. You check the figures before anything saves, and the image isn't kept unless you keep it.
It works before your friends join
Add anyone by number or straight from your contacts, whether or not they're on Chikoo yet. Split with them from day one — they inherit the whole history when they sign in.
Free. And no ads.
Not a trial, not a free tier with a daily cap. There is no paid plan to upgrade to, no advertising in the app, and nothing about you sold to anyone — Chikoo doesn’t even collect an advertising ID.
ChikooSplitwise
Adding expensesUnlimitedDaily cap, lifted by Pro
Receipt scanningIncludedPro
Currency conversionIncludedPro
Ad-freeAlwaysPro
Splitwise column per splitwise.com/pro, September 2026. Splitwise is a trademark of its owner; Chikoo isn’t affiliated with them.
Questions
Before you install.
The things worth knowing up front — including what Chikoo deliberately doesn’t do.
Does Chikoo hold or move my money?
No. Chikoo is a record-keeping tool — it tracks who paid what and works out who owes whom. It is not a payment service, and it never holds or transfers funds. Marking something settled records that a payment happened; it doesn't make one happen.
Do my friends need the app to be added?
No. Add someone by phone number, or straight from your contacts, whether or not they're on Chikoo yet. You can split with them immediately — and when they do sign up with that number, the whole history is already waiting for them.
Can a group use more than one currency?
Yes. A group can hold expenses in several currencies at once, and balances stay exact in the currency they were entered in. Totals are converted to your preferred currency for display, and anything converted is labelled as approximate.
How does receipt scanning work?
Photograph a receipt and an AI model reads it, suggesting an amount, merchant and date. You check the figures before anything is saved — extraction is a head start, not a leap of faith. The image sent for scanning isn't stored unless you keep it with the expense.
What happens when someone leaves a group?
They can leave once their balance is settled, so nobody walks away mid-ledger. Expenses that included them are frozen afterwards, which keeps everyone else's history intact.
Can I delete my account?
Yes — from your profile, or at chikoo.2byte.in/delete-account. Expenses you shared with other people stay with them, because they're shared records those people rely on to know their own balances.
Less calculating.
More hanging out.
Let Chikoo handle the math.
iOS coming soon.