WhatsApp for finance

Build your personalsocialbusiness
financial context.

Every payment, card charge, and cash bill is just a raw transaction - until you give it context. Add it or split it into the group it belongs to , your flat, your trip, your club, your business and Splitkaro turns the noise into a financial life that makes sense.

Get the app, it's freeSee how it works →
₹93 Cr+settled this year
4.8★on the Play Store
90,000+groups active this year
Raw transactions
Your finance groups
F
Flat 302 · Bandra
you owe ₹14k
Aarav added Rent ₹42,000
G
Goa Trip · Feb
settled
Meera added Biryani ₹1,240
Riya added Flights ₹14,800
Riya added Zomato ₹980
⚽
Sunday FC
3 owe you
You added Turf ₹2,800
C
Co-founders · LLP
claim ₹9.3k
You added AWS ₹18,640
The problem

Your money is
scattered everywhere.

One dinner lives in five places, a bank SMS, a UPI notification, a card email, a statement PDF you’ll never open. None of them know about each other, and none of them know it was Goa.

Splitkaro pulls every source into one feed, so the context, not the chaos, is what you keep.

SMS · HDFC Bank
Rs.1,240.00 debited from a/c **3412 on 14-06 to VPA swiggy@axis. Not you? Call 1800...
Email · Card statement
Your XX8842 card statement is ready.
Total due: ₹24,318 · 47 transactions · Due 28 Jun
PDF · Bank statement
14/06 UPI/416**23/swiggy − 1,240.00
13/06 NEFT/RENT/APT302 − 42,000.00
12/06 POS/INDIGO*BLR − 14,800.00
App · UPI notification
Payment successful ✓
₹2,800 paid to PlayArena Turf via GPay
…and none of it knows which group it belongs to.
The answer

We give every transaction
a space of its own.

We call them financial contexts, ready-made templates for every corner of your money life. Pick one, and your transactions finally have somewhere to belong.

One place for every part of your life.All connected. Always balanced.

Home

Rent, bills, and groceries with family or flatmates.

Warm living roomElectricity bill₹1,450Grocery order₹1,250

Trip

Travel spends in any currency, settled at the airport.

Suitcase by a windowFlight to Goa₹6,230Hotel stay₹4,860

Personal

Your own spending, auto-categorised and budgeted.

Reading chair and lampGym membership₹1,299Coffee₹180

Couple New

Joint and personal, kept clear between the two of you.

Dinner table for twoDinner date₹1,180Movie night₹560

Business New

GST-tagged books for founders and small teams.

Desk with laptopDomain renewal₹699SaaS subscription₹2,999

Others

Office lunches, sports squads, and anything else shared.

Shelf with sports gear and lunch boxesTeam lunch₹2,450Badminton court₹800

Auto-categorised transactions

No sorting. Just smart context.

Shared with clarity

Split, settle and stay on the same page.

Private by design

Your data, your rules.

Different rooms. One home for your money.
How it works

You spend. We log it.

9:41
Tue 14
April
B
SBI BANK
now
Debited Rs 450.00 from a/c **1234 to SWIGGY via UPI. Avl Bal Rs 38,210.
🍔
Swiggy
Food & Dining
−₹450
ContextPersonal
CategoryFood & Dining
Paid viaUPI · SBI ****1234
✓ Added to your Personal context automatically
A bank SMS lands on your phone…
Ask anything

Your money already lives here.
So just ask it questions.

Splitkaro sees every split, every group, every settle-up, so it can answer the questions your bank statement can't.

✦
✦
You asked: How much did the Goa trip actually cost me?
Your share across 23 expenses was ₹11,340 — stay ₹4,800, food ₹3,200, cabs ₹1,940, everything else ₹1,400. Rohan still owes you ₹850 from the last night.
Curious?

Things people
ask us.

Still have questions? Write to support@splitkaro.com, a real human will reply.

Is Splitkaro really free?
The core app is free forever, unlimited groups, unlimited expenses, unlimited friends. Splitkaro Premium unlocks auto-import from banks, multi-currency trips, receipt OCR, and exports for the tax-filing folks.
How is this different from Splitwise?
Splitwise is for splitting expenses only. Splitkaro combines expense tracking with smart splitting, automated reminders, item-wise bills, and group analytics. It's designed for real-life use cases like flat-sharing, outings, and monthly budgeting. See the full comparison →

Your money, in context.
Your people, in the loop.

Download Splitkaro free. Create your first group, add an expense, and watch your financial context build itself.

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