Smart Debt Simplification
Forget complex payment webs. Penny calculates the optimal payment paths to minimize the number of transactions it takes for everyone to get paid back.
Split the Bill. Keep the Friendship.
The smartest way to track shared expenses. Snap a photo of your receipt, tell Penny how to split it, and let our AI do the messy math. Perfect for trips, dinners, and daily shared costs.
Perfect for every shared expense
- Group Travel
- Dinners & Drinks
- Housemates
- Shared Gifts
Everything you need to settle up simply.
Built to handle the messy math so you don't have to.
Ultimate Splitting Flexibility
Split evenly, by percentages, or assign specific items to specific people. Penny accurately distributes taxes, tips, and discounts so everyone pays exactly their fair share.
Travel-Ready Currencies
Traveling abroad? Add expenses in your travel currency, and Penny will automatically convert and track balances in your group's main currency using historical daily rates.
No Account? No Problem.
Easily add non-account users as placeholders for friends who haven't downloaded the app yet. You can merge them with real accounts later when they join.
Total Group Control
Use aliases so people know who you are in different groups. Set up admins, manage permissions, and keep a clean, chronological feed of every bill and payment.
Magic AI Scanning
No more manual data entry. Just snap a photo of your receipt and tell Penny how to split it using natural language (e.g., "John had the steak, split the rest evenly"). Our AI handles the rest.
How Penny Works
1
Create a Group
Start a group for your trip, apartment, or night out. Invite friends via a shareable link or email.
2
Add Expenses
Snap a photo of the receipt or enter bills manually. Tag who paid and choose how you want to split it. Penny updates the group ledger instantly.
3
Settle Up
Check your net balance at a glance. When it's time to pay, Penny tells you exactly who to pay and how much, using the fewest transactions possible.
Ready to stop doing receipt math?
Join Penny today and make sharing expenses completely stress-free.
Create Your Free Account