One app for every group that shares money.

• Add expenses in the local currency as you go: baht in Bangkok, euros in Rome, dirhams in Dubai.
• Use the rupee amount your card was charged, or agree one trip rate for the whole holiday.
• Add expenses with no signal on a ferry or a mountain road; they wait on your phone.
• Friends from the UK or the US? Settle with the fewest payments crossing a border.
• Set a trip budget and a daily budget, and watch the daily average.

Tip: Create the group before you leave, with the dates and destination, and set trip rates for the currencies you will use.

• Rent, electricity, internet, gas and the maid as repeating expenses that add themselves each month.
• Work out rent by room size with the rent splitter, then use those shares for the monthly rent.
• Groceries item by item when not everyone eats everything.
• Settle once a month with UPI, from a QR code or a link in the flat’s WhatsApp group.
• When someone moves out, they leave the group and their history stays.

Tip: Turn on reminders a few days before rent is due, so the person paying the landlord is never short.

• Split 50:50, 60:40 or by shares that reflect each person’s income.
• Keep one running balance instead of settling every bill.
• Note how each expense was paid (card, UPI or cash) for your own records.
• See where the money goes by category each month.

Tip: Use shares (for example 3 and 2) instead of percentages; Baant keeps the paise exact either way.

• Leave out anyone who did not join a particular dinner or activity.
• Split the restaurant bill item by item, with GST, service charge and tip shared fairly.
• Send each person their share on WhatsApp with a UPI link.
• Friends without Baant are added by name and pay from any UPI app.

Tip: Use the free bill splitter for a one-off dinner; save it as a group when it turns into a weekend.

• Business mode adds invoice number, supplier GSTIN or VAT number, tax amount, project, cost centre and client.
• Members submit expenses; owners and admins approve, reject with a note, and mark them reimbursed.
• Export an Excel workbook or PDF statement that your accounts team can work from.
• The history shows who changed what, with reasons, and is chained so tampering shows.

Tip: Make the person who signs off expenses an admin of the group.

• Split the year’s costs between members and see who has paid their share.
• Record event costs and refunds against the original expense.
• A full, tamper-evident history for the committee and the members.
• Statements by category and by person for the annual meeting.

Tip: Use custom categories that match your budget heads, so reports read like your accounts.