No SMS access. Ever.

Expenses that fill themselves in

FairOwe turns the bank and UPI alerts you already get into expenses, splits bills with friends, and keeps the alert text on your phone.

Get it on Google Play See how it works

Free to start · Android · Made in India, for Indian banks

Expenses drafted from bank alerts, waiting for review Home screen with the month's spend against budget Groups for trips, flats and dinners A group's balances and who pays whom Adding an expense by hand The ledger of every expense Insights on where the money went Privacy screen: what is read, what stays, what syncs
Features

Track, split and settle, without the typing

One app for your own money and the money you share.

Auto-capture from alerts

Debit and UPI alerts from HDFC, ICICI, SBI, Axis, Kotak, GPay, PhonePe, Paytm and more become drafts. You confirm or discard; nothing is booked behind your back.

Split bills in groups

Equally, by share, by exact amount or by percentage. FairOwe works out the fewest payments, so four people settle in two instead of six.

Pay from any UPI app

Owe someone? Open them in GPay, PhonePe or Paytm with the amount filled in, then mark it settled when you're back. FairOwe never touches the money.

Budgets that make sense

A live meter per category, cash alongside cards, and EMIs and investments kept apart so they don't wreck your monthly number.

Insights that answer "where did it go"

Spend by category and by month, without a chart you have to decode. Pro compares periods and spots the subscription you forgot.

Offline first, synced when it can

Everything lives on your phone first. Sync is there so your next phone has the same ledger, not so the app can work.

Privacy

Exactly what leaves your phone

FairOwe reads notifications from banks and payment apps on a built-in list, and nothing else. It never asks for SMS permission.

Stays on this phone
  • The alert text, read and parsed on the device
  • Your contacts (matched with one-way hashes)
  • Your bank balance, even when an alert states it
  • Bill photos you attach
Syncs to your account
  • The finished expense: amount, merchant, category, date, account tail
  • Groups, splits and settlements you share
  • Your UPI ID, only if you add it, visible to your group members

Delete your account from Privacy & data and your data goes from your phone and our servers. Read the full privacy policy.

FairOwe Pro

More for the people who run the group

  • Pay from any UPI app, straight to the person you owe
  • Receipt scanning, read on your phone
  • Trips with a daily budget and pacing
  • Unlimited groups
  • Export to CSV, JSON and PDF
  • Daily report and settle-up reminders
  • Subscription radar and period comparisons
  • Income and net position, per-account balances
  • Home-screen widget, and no ads
FAQ

Questions people ask

Does FairOwe read my SMS?

No. The SMS permissions are blocked in the app itself. FairOwe reads notifications posted by banks and payment apps on a built-in list; everything else is ignored before it is parsed.

Does FairOwe move money?

Never. "Pay from any UPI app" only opens your UPI app with the payee and amount filled in. You pay there, and FairOwe records the settlement once you say it went through.

Which banks are supported?

HDFC, ICICI, SBI, Axis, Kotak, PNB, Bank of Baroda, Bank of India, IDBI and IDFC FIRST, plus GPay, PhonePe and Paytm. You can always add an expense by hand.

Can I use it outside India?

Yes, for tracking and splitting. Pick any of 162 currencies. Auto-capture reads Indian bank alerts, and UPI payments work in rupees.

Is there an iPhone app?

Not yet. FairOwe is on Android today.

Stop typing in your expenses

Free to start. Pro when your group needs it.

Get it on Google Play