We keep the bill.
Trips, shared homes, dinners. You add the expense, BillMate says who owes what to whom and cuts payments to the minimum. Free.
No password. Installs as an app from your browser.From the plate of pasta to the balance, no spreadsheets.
Add the expense in a few taps.
Amount and description: BillMate picks the category from the name. Then who paid and who shares it: equal parts, amounts, percentages, shares or receipt items.
Who owes what, in plain words.
Open the app and read a sentence, not a table. Netting cuts crossed debts to the minimum number of payments, computed on the server from the saved data.
When you pay, you record it. Then you’re even.
BillMate does not move money: it records the payment you actually made. The debt goes down and, when the books balance, Bill jumps for joy.
What you write stays yours.
Encrypted at rest. Names, descriptions and notes are encrypted in the database; the keys are kept elsewhere.
Payment methods encrypted end-to-end. They can only be read on the devices of the friends you authorize. Backing the key up to Google Drive is optional.
No tracking. Technical cookies only, no ads. Sign in with Google, no password to remember.
Free, no limits. For programmers too.
No daily expense cap, no subscription. For your own client, every user generates a personal API key from their profile.
Frequently asked questions
What is BillMate and how does it work?
BillMate is a free app for splitting group expenses: trips, flatmates, couples and events. Someone pays up front, you record who paid and how to split it, and the app updates everyone’s balance and tells you who owes whom.
Is BillMate really free? Are there limits?
Yes, it is free and has no daily limits on the number of expenses, groups or friends. There are no subscriptions or paid tiers needed to use every feature described on this page.
How do I split expenses between friends or flatmates?
You can split equally, by exact amounts, by percentages, by shares or by line items (handy for restaurant receipts with tips). Recurring expenses such as rent and bills repeat on their own.
What does simplifying debts mean?
When a group has crossed debts, BillMate works out the smallest number of payments that settles every balance. Three crossed payments often become a single one, with the same final totals.
Can I use different currencies on a trip?
Yes. Record the expense in the currency you paid in and BillMate converts it to the group’s currency with exchange rates, no manual maths.
Is my data safe?
You sign in with your Google account only, with no password to create. Expense contents are encrypted at rest and payment methods are end-to-end encrypted. BillMate is a ledger: it does not move money and has no access to your bank accounts.
Does it work offline and can I install it as an app?
Yes. BillMate is a PWA: install it from the browser on iPhone and Android without any app store, and add expenses even with no connection; they sync as soon as you are back online.