PayaGo: Split Expenses

AI THAT READS YOUR SPENDING

Most expense apps add up what you type. PayaGo reads it.

Point it at six months of your group's spending and it comes back with what it found: a delivery habit that crept up from four orders a month to ten, four streaming subscriptions renewing quietly every month, a bill that came in four times its usual size. Things nobody was going to spot in a list.

THE PART THAT MATTERS IN A MONEY APP

Every figure in those findings is worked out on our servers from your real expenses. The model finds the pattern — it never writes the number. A model cannot invent an amount here, because it is never allowed to type one.

And each finding shows what it is based on: which expenses, how many, over how long. You can check it instead of trusting it.

IT LEARNS THE WORDS YOUR HOUSE USES

Correct a category once and PayaGo remembers. "EB bill" becomes Electricity for your group, permanently. No built-in list is ever going to contain your household's words, so PayaGo learns them from you — and shows you every word it knows, so a wrong one comes off in a tap.

What it learns stays inside your group. One household's "current bill" cannot affect anybody else's.

SCAN THE BILL INSTEAD OF TYPING IT

Photograph a receipt and PayaGo reads the items and prices off it, on your phone. Check the lines, drop what you did not have, split what is left.


SPLIT IT IN THE CHAT YOU ARE ALREADY IN

• "paid 1200 for dinner" becomes a split expense.
• Split equally, by exact amounts, or by shares.
• Photos, voice notes and votes live in the same chat.
• Every expense stays editable, by anyone in the group.


TWO KINDS OF GROUP

• Trips — a holiday, a road trip, a weekend away. Dates, a destination, and a summary when you get home.

• Day-to-Day — a flat, a PG, a household. No dates and no end date, because rent does not have one. Rent every month, the EB bill, the groceries, the gas cylinder.


BUDGETS ON YOUR OWN CATEGORIES

Rent, Electricity, Maid, Gas cylinder — name the categories your house actually uses, then cap the ones worth capping. PayaGo warns the group before a category goes over.


BRING YOUR HISTORY WITH YOU

Six months into a flatshare already? Export from Splitwise and import it. You see every row before anything is written, fix whatever came across wrong, and drop what you do not want. Your balances carry on from where they were.


WHERE THE MONEY WENT

Month by month and category by category. This month, three months, six months, or everything.


SETTLE UP

Who pays whom, in the fewest transfers. Mark it paid, confirm it received, and everybody's position updates at once. In India, settle over UPI without leaving the app.


EXPORTS YOU CAN SEND ON

Export a spending summary or the whole dashboard as a PDF, in English, Hindi, French, German, Spanish, Dutch, Polish, Portuguese, Italian or Irish — chosen per document, because the person you are sending it to is not always you. Or pick a date range and get a statement for exactly those days.


Free to use. No ads.

PayaGo Ltd, registered in England and Wales.

Recent changes:
Settling up outside India no longer offers a payment app that cannot open — you get the amount to copy and a way to record that you have sent it. Redeem from ₹500.