Pillar 04 // Splitting With Anyone

Split bills with anyone — even if they never sign up.

Your household is you and (maybe) a partner. But real life owes money in more directions than that — roommates, a friend who covered dinner, a trip split six ways. Groups handle all of it, separately from your household's own numbers.

ChillarFlow's group Balances tab, showing three flatmates each owing a share back to the person who paid — A real group's Balances tab — a proportion bar under each name, and one clear line per person for who owes whom.

Add someone without making them download anything

Add a guest by name or phone number, even if they've never used ChillarFlow. They get a personal link — sent via WhatsApp, one tap for a whole group at once if you've configured WhatsApp Business — that shows only their own balance. If they later create a real account, their entire history transfers over automatically: every split, every settlement, no re-entering anything.

🧮 Five ways to split a bill

Equal (paisa-exact, no one silently overcharged a rounding remainder), exact amounts, itemized (assign each line on a receipt to the person who ordered it), percentage or shares, and pool payment for groups with a shared kitty. Multiple people paying one expense together works too — the math stays consistent either way.

An itemized bill split with three separate receipt lines — vegetables shared by all four flatmates, cat litter charged to just one person, and a beer round split between two — each item showing the exact rupee amount it works out to per person — Three lines on one receipt, three different sets of people — the cat litter isn't everyone's problem.

Settling up, without the group-chat spreadsheet

Either the person owed or the person who owes can mark a settlement. Turn on debt simplification and a six-person group that would otherwise need eight separate payments might only need four. Every expense supports a comment thread and can be flagged as disputed, so "was tip included?" has somewhere to live.

🌍 Vacation groups — for trips across currencies

A distinct group type for the messiest money scenario there is: multiple currencies, cash withdrawn in two countries, a shared forex card. Supports 26 currencies, and every exchange records the actual rate achieved at that moment — not one generic "today's rate" for the whole trip. Nobody has to pool money up front; each member funds their own wallet and spends from it.

A vacation group's expense list showing dinner paid in Thai Baht, both the original amount and its rupee conversion, and what each person owes back — 29,670 THB, and what that actually came to in rupees — both shown, never just one.

A vacation group's Wallets tab, showing cash and forex-card wallets each funded at their own real exchange rate — Cash funded at ₹0.29/THB, a forex card loaded at a slightly different rate — each wallet keeps the rate it actually got.

A trip's Analysis tab breaks spending down by category, by day, or by who paid what — across every currency involved, already converted to rupees, so "did we overspend on food or on the boat tour?" has a real answer instead of a guess.

A vacation group's Analysis tab, showing spend broken down by category — Dining Out, Entertainment, Travel — each with its rupee and original-currency totals — Dining Out was 51% of the trip — obvious once it's broken down, invisible in a single running total.

Every group — or all of them at once — exports as CSV, XLSX, or a branded PDF, itemized splits and all, ready to hand to a flatmate or a trip group as a final accounting.

Start a group free