Track shared expenses with friends, family, couples, and roommates. See exactly who owes whom — with the fewest possible transactions.
Free forever · Premium unlock available
Barcelona Trip 🇪🇸
4 members
Apartment 🏠
3 members
Couple Goals 💑
2 members
All settled!
Optimized by WoW
Total Balance
+$48.20
Perfect for any situation
No spreadsheets. No awkward conversations. Just clean, smart expense splitting for everyone.
Add expenses, choose who participated, and let the app calculate each person's share automatically.
Our algorithm minimizes the number of payments needed — fewer transfers, less hassle for everyone.
Create groups for trips, households, couples, or families. Manage your frequent contacts easily.
Available in English, Russian, Ukrainian, Spanish, French, German, Polish, Italian, Portuguese, Turkish, Malay, and Hindi for global use.
Comfortable to use day or night with a beautiful adaptive theme that respects your system settings.
See at a glance who owes whom with color-coded balances and instant settlement overview for all members.
Get started in seconds. No complex setup or mandatory account required for the basics.
Start a group for your trip, household, or event. Add friends, family, or roommates easily.
Log each expense, choose who paid and who participated. Split equally or with custom amounts.
The app calculates optimized settlements — minimum transactions to balance everything out.
Mark debts as settled and keep your balance clean. Everyone stays on the same page instantly.
Our proprietary algorithm ensures the group settles up with the fewest possible payments — saving time, bank fees, and reducing confusion.
13
Languages
∞
Unlimited
$0
To Start
Example: Barcelona Trip
Alex → You
owes for dinner
Maria → Alex
owes for fuel
You → Sam
owes for parking
Managing group finances shouldn't be a second job. Whether you're traveling across Europe, sharing an apartment with roommates, or just splitting a dinner bill, Who Owes Whom is designed to take the stress out of shared expenses. Our smart algorithm doesn't just track debts — it optimizes them, ensuring everyone pays the minimum amount of transactions to stay even.
Stop the awkward "who paid for the toilet paper?" conversations. Log everything from rent and utilities to groceries and cleaning supplies. WoW handles the math so you can focus on living, not accounting.
Going on a trip with friends? Track flights, hotels, and dinners in real-time. With support for multiple currencies, you can spend in Euros and settle in Dollars without breaking a sweat.
Everything you need to know about the Who Owes Whom app.
Yes! The core functionality of Who Owes Whom is completely free. You can create groups, add expenses, and settle debts without paying a cent. We offer a Premium upgrade for users who want unlimited groups and an ad-free experience.
Our proprietary algorithm analyzes all debts within a group and calculates the most efficient way to settle up. Instead of everyone paying everyone else, the app might suggest that Person A pays Person C directly, effectively settling three different debts in one go.
No, you can start tracking expenses immediately after downloading. We don't force you to sign up for the basic features, keeping your data private and on your device.
Absolutely! Who Owes Whom supports a wide range of currencies and is translated into 13 languages, making it the perfect companion for global travel and diverse friend groups.
Download Who Owes Whom for free today and stop worrying about split calculations forever.
Free to download · Worldwide
Who Owes Whom
Free · iOS & Android