Sign in with Google · Works offline
Split smart. Settle simple.
Track what you owe shops and friends, split trips and flats with your group, and always know who owes whom. Accurate to the paisa — online or offline.
On Android now. iPhone coming soon.
One app. Two ways to stay balanced.
Your own ledgers. Your shared plans.
Accounts are for what you owe one shop or person. Groups are for costs you share with others. Use one, or both.
Accounts
Know exactly what’s still due.
Keep a clean ledger for the kirana store, the milkman, your tailor or a friend. Every entry remembers what you paid and what’s left.
- Full or Advance
- Paid it all? Full. Paid some? Advance — the rest becomes Due by itself.
- Due, per entry
- Every bill keeps its own Due, so you know exactly what’s still open.
- Full Pay & Part Pay
- Clear a Due in one tap, or pay it in parts on the dates you paid.
- By day
- Transactions are listed day by day, newest first — easy to scan.
Groups
Every trip, flat and party — perfectly split.
Create a group, share its link, and add expenses as they happen. Who paid, who shares it, equal or exact — a few taps.
Invite with a link
Share one link on WhatsApp — friends tap it and join. Or add guests by name.
Equal or Exact
Split evenly to the paisa, or type each share. Totals must match to save.
Budgets that keep up
Spent, remaining and overspent update with every expense.
Permissions
Choose who can add expenses, invite people, close or delete the group.
Settle up
The fewest payments to square up.
BalanceUp adds up what everyone paid and owes, then shows the fewest payments to square up. Close the group when you’re done — and share its balance sheet PDF.
BalanceUp never moves money. Settle with each other the way you always do — cash, UPI or bank transfer — BalanceUp just tells you who should pay whom, and how much.
New in BalanceUp
Share more. Explain less.
Two things that make group money even easier to talk about.
Invite with one link
Share the group’s link on WhatsApp. Friends tap it and join — no searching for anyone.
How it works
Share PDF
Balance sheet PDF
When a trip ends, share one clear PDF: who paid, who owes whom, and how every bill was split.
How it works
Offline-first
No network? No problem.
Your accounts and groups live on your phone, so they open instantly and keep working anywhere. BalanceUp syncs the moment you’re back online.
Works with no signal
Add and edit account and group expenses on a flight or in the hills.
Syncs by itself
Back online? Your changes upload and others’ changes come down — quietly.
Checked twice
Your phone checks the rules, then the server checks again. Numbers never drift.
Nothing lost silently
If a change can’t be saved, BalanceUp tells you exactly why.
Precise by design
Built to get the numbers right.
- Precision
Integer paise
Every amount is stored in minor units — no floating-point rounding, ever.
- Equal split
Deterministic
₹1,000 ÷ 3 = ₹333.34 + ₹333.33 + ₹333.33. Always adds up.
- Currencies
ISO 4217
A global currency, with a different one per group or account when you need it.
- Categories
10 built in
Food, Transport, Shopping, Bills, Healthcare, Entertainment, Education, Travel, Rent, Other.
- Reports
Day · Week · Month
Plus custom ranges, in your own timezone.
- Offline
Accounts + Groups
Every account screen and every group screen that doesn’t need other people.
Privacy & security
Your money stays yours.
BalanceUp is a calculator for shared money, not a place to keep it. We collect only what the app needs, and protect it end to end.
Sign in with Google
One tap with your Google account — we only get your name, email and photo.
6-digit login PIN
Stored only as a secure hash — never in plain text, never on your phone.
Email OTP
One-time codes for sign-up, login and PIN reset, single-use and short-lived.
Not a wallet
No cards, no bank details, no money movement. BalanceUp only calculates.
Your devices
See every device signed in to your account, with last activity.
Your data, your call
Delete your account from the app at any time — see exactly what happens to your data.
Get started
Four steps to balanced.
- 1Sign inTap Continue with Google — or use your email and a one-time code.
- 2Finish your profileFirst time only: your name, mobile number and a 6-digit PIN.
- 3Create an account or a groupAn account for a shop or a friend — or a group for a trip, flat or event.
- 4Add expenses as they happenBalanceUp keeps every Due, share and balance right for you.
Step-by-step guides
Every journey, made simple.
Short steps with a picture of each screen. Start anywhere.
Get balanced today.
Download BalanceUp for Android and bring your ledgers and group expenses into one calm place. The iPhone app is coming soon.
Questions
Good to know.
Quick answers to what people ask most. There’s more in the FAQ and the support centre.
What is BalanceUp?
BalanceUp is a mobile app for tracking personal and shared expenses. Accounts are private ledgers you keep for a shop, vendor or person, with Due tracking. Groups are shared spaces for trips, flats and events where expenses are split between people and BalanceUp shows who owes whom.
Does BalanceUp move money or process payments?
No. BalanceUp never transfers money, never processes payments and never asks for card or bank details. It only records and calculates. When you record a Full Pay or Part Pay, or settle up in a group, you are noting a payment that happened outside the app — by cash, UPI, bank transfer or any other way you choose.
Which devices does BalanceUp work on?
BalanceUp is on Google Play for Android phones now; the iPhone app is coming soon to the App Store. Your data is stored on our servers, so you can sign in on another phone and pick up where you left off.
Do I need an internet connection?
Only for some things. Your accounts and groups are kept on your phone, so you can view them, add and edit expenses, record payments and create new accounts or groups offline. Changes sync automatically when you are back online. Signing in, invitations, closing or deleting a group and a few other actions need a connection.