MintiMoney

The app lets users create groups for roommates, trips, couples or any shared‑expense scenario, add individual bills or receipts, and automatically categorize spending into common types such as food, rent, travel and utilities. It provides a home‑screen widget that shows pending balances and monthly totals, an activity feed that records who added each expense, and an integrated chat for group members to discuss bills without leaving the app.

For settlement, the software supports instant UPI payments, allowing users to pay friends directly from the app, and includes a “smart bill splitting” engine that can divide costs equally, by percentage, by shares or by exact amounts. A debt‑simplification algorithm reduces the number of transactions required to clear balances, while spending insights are presented as charts and analytics.

The tool also tracks personal expenses alongside group ones, supports multiple currencies such as USD, EUR, GBP and INR, and offers a straightforward three‑step workflow: create a group, add expenses, and settle up with a single tap. It is positioned as an experimental finance solution for managing shared money.