About Expenddy

Expenddy is a record-keeping tool for shared money. It solves a narrow, common and genuinely annoying problem: when several people pay for things at different times, nobody can say who is ahead without reconstructing weeks of payments from memory, messages and receipts.

The app handles three distinct situations, which are three different features rather than three views of the same one:

Group expenses

Three or more people, or any cost you want a shared record of. A group holds members, expenses, splits and settlements. Every member sees the same ledger and the same balances.

1:1 friend ledger (IOU tracker)

Two people, informal lending, no group needed. A running list of 'You gave' and 'You got' entries against one person, with a live balance of who is ahead.

Personal expense tracking

One person, private by default. Your own spending and income, categorised, with monthly totals and a category breakdown.

These boundaries are deliberate, and stating them plainly is more useful than a longer feature list:

• Expenddy is not a bank, a payment service or a money transmitter.
• Expenddy never moves, holds or transfers money. Recording a settlement notes that a payment happened elsewhere — in cash, by bank transfer, or however you actually paid.
• Expenddy does not connect to your bank account and never sees your card or account numbers.
• Balances are calculated from what members enter, so they are a shared bookkeeping record rather than a legally binding statement of debt.

The practical consequence: you pay each other however you already do, and Expenddy records that it happened. That keeps the app out of payments regulation, out of your bank account, and out of the way.

A few decisions shape the product more than any feature does, and they are worth stating because they explain behaviour that might otherwise look like a limitation.

Balances have to be checkable

A balance is simply what you paid minus your share of everything. No smoothing, no hidden adjustments. If a number looks wrong, you can trace it to the expenses that produced it.

Shared records belong to everyone in the group

An expense you add to a group is part of that group's ledger for every member. That is why deleting your account does not erase it — removing it would silently change what other people owe each other.

Corrections annotate rather than overwrite

A settlement recorded in error can be voided or edited, and the balance movement is reversed exactly, but the original record stays. History answers both 'what was recorded' and 'was it later taken back'.

Currencies are never silently converted

Expenddy nets balances separately per currency and applies no exchange rate. Converting automatically would change what someone owes based on a rate they never agreed to.

Your own data stays yours

Group ledgers, friend ledgers and personal records all export to CSV, and personal records are never visible to anyone else.

Anyone who splits costs with other people. In practice that means roommates and flatmates splitting rent and bills, friends splitting meals and nights out, groups travelling together, couples managing joint spending, and families sharing household costs. It also works for one person tracking their own spending, and for informal lending between two people.

Expenddy is free to use. There is no paid tier and no subscription.

Expenddy is built by Detsol. Support, privacy requests and bug reports go to hello@expenddy.com, and a real person reads them — see the contact page for what to include.

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