How SplitCircle Works

Start by creating a dedicated group (called a Circle) for your specific purpose — such as your apartment flatmates, a vacation trekking crew, an office lunch club, or a group dinner. Choose your primary default currency (NPR, USD, INR, EUR) and invite friends using invite links or member codes.

Whenever a group purchase occurs — like a restaurant bill, grocery haul, hotel deposit, or monthly utility bill — log the details in seconds. You can specify category tags, dates, notes, and attach photo receipts to ensure full transparency for every member.

Did one person pay the entire bill, or did multiple friends chip in at the counter? SplitCircle accommodates both single-payer transactions and multi-payer contributions, accurately crediting each member’s financial outlay to their group balance.

Tailor how the expense is divided among the group. Choose from four flexible split models:

Instead of forcing every member to pay back each person who paid for a bill, SplitCircle computes everyone's net balance. Our Greedy Minimum Cash Flow algorithm collapses complicated webs of debt into the minimum possible direct transactions:

When it is time to square debts, open the settlement screen. Payees can display their direct eSewa, Khalti, or Fonepay QR code with the exact rupee amount pre-filled. Payers scan, confirm payment in their wallet app, and mark the settlement complete. Cash and bank transfers are also fully supported.