Expenddy features

Three split methods

Split equally, by exact amounts, or by percentage. Exact and percentage splits must add up to the total before Expenddy accepts the expense.

Choose who is included

An expense is split only between the members you select, so one person's solo taxi does not land on everyone.

Record who paid

Every expense stores who actually paid it, which is what separates 'spent' from 'owed'.

Categories

Twelve built-in categories (Food, Groceries, Transport, Travel and more), plus an uncategorised option.

Receipt and bill photos

Attach a photo of the bill to an expense so the amount can be checked later without anyone hunting for paper.

Automatic balances

Balances recalculate the moment an expense is added, edited or deleted. Nobody does arithmetic.

Who owes whom

Each group shows what you owe and what you are owed, broken down per person.

Record a settlement

When someone pays, record it. Expenddy applies it to the balances and keeps a dated record of the payment.

Correct a settlement

A settle-up recorded by mistake can be voided or edited, and the balance movement is reversed exactly. The original record is annotated rather than erased, so history stays truthful.

Settlement history

An append-only record of what was settled, between whom, and when.

Prepaid group pool

Optionally fund a shared pot up front and pay group expenses from it, instead of one person fronting every cost.

1:1 friend ledgers

Track informal lending with one person as 'You gave' and 'You got' entries, with a running balance.

Personal expenses and income

Log your own spending and income with categories and notes. Personal records are private to you.

Spending charts

See spending by category and weekly or monthly totals.

Activity feed

A chronological record of what changed in a group and who changed it.

Invite by email, phone or link

Invite people who are not on Expenddy yet; the invitation is matched to their account when they sign up.

CSV export

Export a group's ledger, a friend ledger, or your personal records to CSV.

Notifications you control

Push notifications for expenses, friend requests, group changes and settlements, each switchable, plus an optional monthly summary email.

English and Arabic

The Android app is fully translated into Arabic, including right-to-left layout. The web app is English only for now.

Eight currencies

USD, GBP, EUR, INR, CAD, AUD, AED, PKR. Expenddy records each expense in a currency and nets balances separately for each one. It does not convert between currencies or apply exchange rates, so a debt in one currency is never cancelled by a payment in another.

The Android app and the web app share one account and one set of data: anything recorded on a phone appears in the browser and the other way round. See download options.

Expenddy supports 8currencies. Each expense is stored with a currency, and each person's balance is tracked separately for each currency they have expenses in.

One important limit: Expenddy records each expense in a currency and nets balances separately for each one. It does not convert between currencies or apply exchange rates, so a debt in one currency is never cancelled by a payment in another. If you spend in two currencies on the same trip, you will see two balances and settle them separately. This is deliberate — silently applying an exchange rate would change what someone owes without them agreeing to the rate.

The Android app's interface is available in English and Arabic, including full right-to-left layout in Arabic. The web app is currently English only.

• English (English)
• Arabic (العربية) — right-to-left layout

Arabic is a complete translation rather than a partial one: every screen, button and message is translated, and the whole layout mirrors to right-to-left when it is selected. The language is changed in Settings.

Group types

When you create a group you give it a type, which sets how it is presented: General, Trip, Home, Couple, Other.

Expense categories

Group expenses can be filed under 12 categories, or left uncategorised:

• Food, Groceries, Transport, Travel, Entertainment, Shopping, Utilities, Rent, Health, Education, Sports, Bills, or Other.

Personal records use their own category list, and you can add your own categories there — useful for anything the built-in list does not cover.

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

Being clear about the boundaries matters more than the feature list. These are not gaps to be filled later — they are deliberate:

• 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.