SettleFlow: Bill Splitter

# SettleFlow: Bill Splitter & Expenses

Make shared expenses simple with SettleFlow — your personal bill splitter and group expense manager. Split restaurant bills, manage trip expenses, share household costs, and find out who owes whom without complicated calculations.

Whether you're travelling with friends, sharing rent with roommates, enjoying a dinner together, or managing family expenses, SettleFlow helps everyone keep track of shared spending.

## 💸 Split Bills Your Way

Divide any bill according to your needs.

• Equal split: Share a bill evenly between everyone.
• Custom split: Enter the exact amount each person owes.
• Percentage split: Divide expenses using custom percentages.
• Share-based split: Allocate costs using ratios such as 2:1:1.
• Item-by-item split: Assign restaurant dishes and other items to the people who shared them.

Review each person's share before saving your expense.

## 👥 Manage Group Expenses

Create groups for trips, friends, roommates, family, and everyday activities.

• Add participants and record who paid.
• Track expenses within each group.
• View individual contributions and shares.
• Review your group's expense history.
• See outstanding balances in one place.

Keep your shared expenses organized without juggling notes, calculators, and messages.

## 🧮 Calculate Who Owes Whom

Stop calculating group balances manually.

SettleFlow calculates participant balances from recorded expenses and payments, then suggests a practical way to settle outstanding amounts.

• See who owes money.
• Find out who should receive money.
• View suggested settlement transfers.
• Record full or partial payments.
• Review completed settlements.

Clear calculations help everyone understand their share and keep group expenses transparent.

## ✈️ Perfect for Trips and Everyday Life

Use SettleFlow for:

• Travel and holiday expenses.
• Restaurant and food bills.
• College and hostel expenses.
• Shared rent and household bills.
• Grocery shopping.
• Family outings.
• Weekend plans with friends.
• Other shared purchases.

Create a group for each activity and keep its expenses organized.

## 🧾 Organize Every Expense

Record the details that matter.

• Add descriptions, amounts, dates, and participants.
• Assign expenses to the correct payer.
• Edit expenses when details change.
• Review individual expense allocations.
• Search and filter your expense history.
• Track settlements and outstanding amounts.

## 📊 Understand Your Spending

Review your expense history and explore useful summaries of group spending, categories, contributions, and outstanding balances.

Understand where shared money goes and how expenses are distributed among participants.

## 🔄 Recurring Expenses

Organize repeating costs such as rent, utilities, groceries, and household bills using recurring expense templates.

Spend less time entering the same details repeatedly.

## 🌍 Travel with Multiple Currencies

For supported multi-currency workflows, record expenses in their original currencies and use explicit exchange rates to calculate reporting-currency equivalents.

Keep original amounts and conversion details clear when managing expenses across different destinations.

## 📤 Share and Export

Share expense summaries with your group using compatible apps.

Export supported records for your own reference and keep a backup of important financial information.

Review shared information before sending it, and protect exported files containing personal financial details.

## 🔒 Designed for Privacy

SettleFlow is designed around offline-first expense management.

• No mandatory account or registration.
• Core calculations work without internet access.
• Expenses and groups are stored locally on your device.
• No online database is required for core functionality.
• You control when you export or share your records.

Sharing or exporting information can make it available outside the app, so review the details before sending them.