Trips, dinners, rent, weekend plans. Create a group, add expenses, split however makes sense, and watch the running balance update in real time. No one chases anyone for spreadsheets.
No card required · Free tier covers up to 3 groups
1 · Create a group, invite by email
Name the group, pick a default currency, and generate invite links to share over WhatsApp, mail, or anywhere. Friends who already use welcy see the invite in-app instantly.
Currency is locked per group — keeps the balance math clean, no surprise FX conversions.
2 · Log shared expenses
Anyone in the group can add an expense. Pick who paid, who owes, and how to split. Every participant gets a push notification with their share.
Mark someone as the payer who isn’t you — they’ll be notified too.
3 · Watch balances update live
Each group shows a balance card: who you owe, who owes you, totals per person. Switch to the simplified view to see the smallest set of payments that clears all debts.
4 · Settle up — both sides agree
Record a payment as either the payer or the recipient. If the recipient logs it, the payer must confirm before the balance moves. Optionally mirror the settlement into your personal Expenses log.
Equal
Split a $80 dinner four ways — done in two taps. Rounding is distributed cleanly so the math always sums.
Custom Amounts
One person had the steak, another just the salad? Type each share — we validate the total adds up.
Percentages
Roommates with different incomes? Set ratios once and apply them across rent, utilities, groceries.
Settlements need confirmation
When someone marks "you paid me", you have to agree before it shows up on the balance. Reject false claims with one tap.
Only the creator edits
Group owners can’t silently rewrite your expense. The person who logged it owns it — others ask questions in a thread.
No surprise debits
Every action you’re part of pings you in real time, on web and mobile. The balance never moves quietly.
Ask in context
Spotted something off? Tap the expense and post a question. The person who logged it gets pinged immediately and can answer inline. No more “hey what was that $42 charge” in a separate chat.
One level of replies
Threads stay shallow on purpose — the expense creator answers, others can chime in. Keeps the receipt history readable a year from now when you actually need to look it up.
Pro
Unlimited groups · plus the rest of welcy Pro · 7-day free trial · cancel anytime
Start free trialCreate your first group in under a minute. Free forever — no card, no contracts.
Free for everyone · No card required · Cancel anytime