Track shared expenses with friends, flatmates, and trip buddies. One UPI tap to settle — built for India, free for everyone.
No credit card · No install · Works in your browser
4 members · 12 expenses
Rahul paid Hotel Taj Vivanta
Split equally
Priya paid Dinner at Thalassa
Split equally
You paid Scooter rental
Split equally
You owe Rahul
2 transactions simplified
Set up a group for your flat, trip, or friend circle. Share a link — no install needed.
Log who paid, how to split. Niptao calculates everyone's share automatically.
Tap the UPI button. Your app opens pre-filled with the exact amount.
One-tap UPI deeplinks. GPay, PhonePe, Paytm — pre-filled, instant.
Equal, exact, percentage, or custom shares. Every scenario, covered.
Attach photos. Clear paper trail. Zero disputes.
Auto-tag locations. Track where you spent on trips.
Flat, trip, friend circle — each optimised for how you split.
Add expenses without internet. Syncs when online.
Forget bank transfers and awkward reminders. One tap opens GPay, PhonePe, Paytm — or any UPI app — with everything pre-filled.
You owe Priya
₹1,350
Hotel + Dinner at Goa Trip
Yes, completely free. No premium plan, no hidden charges. Unlimited groups, unlimited expenses, UPI settlement — all at zero cost.
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.
Absolutely. Create a 'Flat' group and add recurring expenses — rent, electricity, internet. Niptao keeps a running balance so you always know who owes what.
Offline support via PWA is coming soon. Currently requires an internet connection to sync expenses across group members.
Up to 20 members per group — plenty for trips, flats, or large friend circles.
Built on Supabase with row-level security. Your data is only visible to you and your group members. We never store UPI credentials.
Free forever. No card needed. Start splitting in 30 seconds.