Niptao — Split & Settle

About Niptao — Split & Settle

Niptao is the free, ad-free expense splitter built for India. Split bills with friends, flatmates, trip buddies, and family — then settle instantly via UPI with one tap.

🏠 QUICK-START TEMPLATES
Stop setting up groups from scratch. Pick a template and we pre-fill your expense categories:
• Flatmates — Rent, Electricity, Water, Internet, Gas, Groceries, Maid, Maintenance, DTH
• Trip — Flights, Hotel, Cab, Food, Activities, Shopping
• Party — Venue, Food order, Drinks, Cake, Decorations, DJ, Gifts
• Dinner out — Starters, Main, Drinks, Desserts, Tip
• Couple — Date nights, Groceries, Subscriptions, Gifts
• Office team lunches, Wedding, Hostel, or start blank

📲 SETTLE VIA UPI
One tap to launch GPay, PhonePe, Paytm, or BHIM with the exact amount pre-filled. No copy-paste, no errors.

🧮 BUILT-IN CALCULATORS (all offline)
• Tip Calculator — 0/5/10/15/18% presets + split between N
• Quick Bill Split — ad-hoc split, no group needed
• Rent Split — equal or by room size
• EMI Calculator — monthly installment + total interest
• Savings Goal — years-to-reach calculator
• 50-30-20 Budget — plan needs, wants, savings

⚖️ FAIR SPLITS, NO ARGUMENTS
• Split equally, by exact amounts, by percentage, or by weighted shares
• Debt simplification algorithm — if A owes B who owes C, we simplify the chain
• Guest members (add your roommate's brother without making them sign up)

🔒 PRIVATE BY DEFAULT
• All tools work 100% offline — your numbers never leave your phone
• Main app data is encrypted at rest via Supabase
• DPDPA 2023 compliant
• No ads, no selling your data, no spam

🇮🇳 BUILT FOR INDIA
• INR (₹) native formatting with en-IN conventions
• VPA (UPI ID) validation
• City-aware — Mumbai, Delhi, Bengaluru, Chennai, Kolkata, Hyderabad, Pune
• Made by Mindweave Technologies Pvt. Ltd., Noida

🆚 WHY NIPTAO VS SPLITWISE?
Splitwise was built for the US. Niptao is built for us — native UPI deep links, Indian group templates, rupee-first formatting, and 6 free calculators bundled in. No freemium tier, no ads, no data selling.

📬 QUESTIONS?
Reach us at [email protected] or visit niptao.app/privacy for data rights (DPDPA 2023).