Expense Tracker & Bill Splitter — FAQ

ContriKaro is an expense-splitting app built for India. Track shared expenses with friends, flatmates, or travel buddies — split bills, settle debts, and keep everyone on the same page. Core features are completely free.

You can sign up using your phone number with OTP verification or sign in directly with your Google account. No passwords to remember — just verify and you're in.

ContriKaro is currently available on Android. iOS support is planned for a future release.

Go to the People tab, tap 'Create Group', choose a name and group type (trip, flat, friends, couple, etc.), then invite members by searching their name or phone number.

Group types help organize your expenses. Choose 'Trip' for travel, 'Flat' for shared rent and utilities, 'Friends' for casual outings, or 'Couple' for shared household expenses. The type doesn't restrict functionality — it's just for your convenience.

Tap the '+' button on the Dashboard or Transactions tab. Enter the amount, select who paid, pick a category, choose how to split (equal, percentage, or custom shares), and add the people involved.

Three split types: 'Equal' divides the amount equally among all selected people. 'By Percentage' lets you set a custom percentage for each person. 'By Shares' lets you assign a specific amount to each person.

Go to the Settlements screen or tap 'Settle Up' from a friend's profile. Select the person, enter the amount you're paying, and choose a payment method (UPI, cash, bank transfer, etc.). Then record it in ContriKaro.

No. ContriKaro only tracks who owes whom. You make the actual payment outside the app (via UPI, GPay, PhonePe, cash, etc.) and then record the settlement in ContriKaro so your balances stay accurate.

Simplify Debts reduces the number of transactions needed to settle up within a group. For example, if A owes B ₹100 and B owes C ₹100, ContriKaro can simplify it to just A paying C ₹100 directly — fewer transfers for everyone.

Contact sync matches your phone contacts with ContriKaro users so you can quickly add friends. Your contacts are compared securely and not stored on our servers.

Yes. Your data is encrypted in transit (TLS) and stored on secure AWS servers. We never share your personal financial data with third parties. Only the people you explicitly add to groups can see those group expenses.

SMS permission is optional and used only for the SMS auto-sync feature — to detect bank/payment messages and create expense drafts. You can use the app fully without granting SMS permission. No SMS data is uploaded to our servers; parsing happens on your device.

Personal expenses are visible only to you. Group expenses are visible to all members of that group. No one outside your groups can see your expense data.

Your personal information (name, email, phone) is permanently removed. Expenses in shared groups are preserved for other members, but your identity is anonymized (shown as 'Deleted User').

Yes — the core features (groups, expense tracking, settlements, balances, simplify-debts) are free. Fair-use limits apply to prevent abuse (see our Fair Use Policy). Premium-tier features may launch later as a paid add-on, but the basics stay free.

ContriKaro keeps the core split-and-settle features free with no daily expense limit. We're built mobile-first for India with native UPI flow, contact-sync, and a focus on effortless expense capture. Splitwise's free tier added daily limits a few years back; ContriKaro's free tier doesn't have that constraint within fair-use bounds.

Android is shipping first. iOS is on the roadmap but doesn't have a confirmed date yet. Join the iOS waitlist on this site and we'll email you the moment it ships.

Yes — sign up takes about 30 seconds via phone-OTP or Google sign-in. An account lets us sync your groups across devices and keep your expense history if you reinstall the app.

ContriKaro is built for India first — UPI, INR, Indian phone formats, and DPDP-aligned data handling. The app is downloadable globally and works in any currency you type in, but the optimised experience is for Indian users today. Broader internationalisation comes after the India launch settles.

Tap the Play Store button on this page. iOS users can join the waitlist and we'll email you when the App Store version is live.