Split bills.Settle instantly.
Split rent, groceries, and bills with your flatmates every month — works just as well for trips and friend circles. One UPI tap to settle, built for India.
No credit card · No install · Works in your browser
Also on mobile
3BHK, Andheri West 🏠
4 flatmates · Rent, wifi & groceries
Aditi paid Monthly rent
Split equally
Rahul paid Electricity + wifi
Split equally
You paid Groceries run
Split equally
You owe Aditi
3 payments simplified
Three steps. Zero headaches.
Create a Group
Set up a group for your flat, trip, or friend circle. Share a link — no install needed.
Add Expenses
Log who paid, how to split. Niptao calculates everyone's share automatically.
Settle via UPI
Tap the UPI button. Your app opens pre-filled with the exact amount.
Everything you need.
Nothing you don't.
UPI Settlement
One-tap UPI deeplinks. GPay, PhonePe, Paytm — pre-filled, instant.
Smart Splits
Equal, exact, percentage, or custom shares. Every scenario, covered.
Receipt Tracking
Attach photos. Clear paper trail. Zero disputes.
Geo-tagged
Auto-tag locations. Track where you spent on trips.
Flatmate-Ready Groups
Flat, trip, friend circle — track every shared expense and always know who owes what.
Offline PWA
Add expenses without internet. Syncs when online.
Settle with UPI.
Zero friction.
Forget bank transfers and awkward reminders. One tap opens GPay, PhonePe, Paytm — or any UPI app — with everything pre-filled.
- ✓Works with all UPI apps
- ✓Exact amounts, no rounding
- ✓Deeplink on Android, copy on iOS
- ✓No fees, no middlemen
You owe Priya
₹1,350
Hotel + Dinner at Goa Trip
Got questions?
Is Niptao free?+
Yes, completely free. No premium plan, no hidden charges. Unlimited groups, unlimited expenses, UPI settlement — all at zero cost.
Can I split rent monthly?+
Absolutely. Create a 'Flat' group and add monthly costs like rent, electricity, and internet as expenses. Niptao keeps a running balance so you always know who owes what.
How does UPI settlement work?+
On Android, Niptao generates a UPI deeplink that opens your preferred UPI app (GPay, PhonePe, Paytm, etc.) with amount and recipient pre-filled. On iOS, it copies the UPI ID and amount for easy paste.
Does it work offline?+
Offline support via PWA is coming soon. Currently requires an internet connection to sync expenses across group members.
How many people per group?+
Up to 20 members per group — plenty for trips, flats, or large friend circles.
Is my data safe?+
Built on Supabase with row-level security. Your data is only visible to you and your group members. We never store UPI credentials.
Ready to stop chasing
payments?
Free forever. No card needed. Start splitting in 30 seconds.
Free splitting calculators
No signup. No download. Use them right in your browser.
Rent split calculator
Different room sizes? Different move-in dates? Get fair shares fast.
Bill split calculator
Restaurant tabs, group dinners — split equal, exact, or by share.
Trip budget planner
Goa, Manali, Coorg — pre-trip estimate + per-person breakdown.
Party expense planner
Birthdays, farewells, Holi parties — figure out costs before the day.
Subscription splitter
Netflix, Spotify, ChatGPT — split a shared plan with friends.
Fuel cost split calculator
Carpool to work or a road trip — fair shares by km or seat.
India city cost comparator
Compare 2 Indian cities side-by-side — rent, all-in budget, electricity slabs.
Splitting for a festival or trip?
Per-event budgets, who-pays-whom, and 1-tap UPI settlement — for the moments money gets weird.
From our blog
Real numbers, real cities, real splits — no fluff.
Bachelor & Bachelorette Trip Expense Split India 2026
Honest 2026 cost breakdown of the Indian bachelor / bachelorette trip — who pays what, the villa-booking trap, and how the squad settles cleanly via UPI without the last-day dispute.
Best Free Bill Split Apps in India 2026 — Ranked & Compared
Niptao, Splitwise, Settle Up, Splid — free tier limits compared. UPI support, no ads, India-fit. Honest 2026 ranking.
Best UPI bill splitting apps in India 2026 — Honest comparison
Splitwise, Settle Up, Tricount, Niptao — tested for UPI handoff, free tier, and India-fit. The only 2026 ranking with real UPI settlement testing.