Best expense splitting apps for roommates and flatmates in India

Expense splitting apps for flatmates in India.

A flat runs on the same bills every month: rent, electricity, Wi-Fi, the cook, the maid, the milk. The app that works for flatmates is the one that remembers those bills for you, splits them fairly when rooms are not equal, and chases the person who has not paid.

We make Splitkaro, one of the four apps below.

The short answer

Splitkaro for most flats in India: rent and bills are set once and come back every month, your bank SMS adds the rest, and reminders do the chasing. Splitwise if your flat already uses it and stays under the free daily limit, Tricount if you never want a paid tier, Settle Up if you want it in a browser too.

Splitkaro

That’s us

A flat that runs on the same bills every month

Rent, Wi-Fi, maid and gas set once as recurring bills, free, each with its own split and paid or unpaid tracking
Split by room, by head or by item, and skip whoever was away
Reminders go out for you, so nobody has to chase in the group chat
Your bank SMS adds expenses on its own, on Android, and on iPhone via Shortcuts
Settle over UPI; flatmates without an account can still be added
Free unlimited expenses, and no ads even on the free plan

No currency conversion, which a flat rarely needs
No web app; shared expense links open in a browser, view only

See how home groups work

Splitwise

A flat that already uses it

Free recurring bills: monthly, weekly, fortnightly or yearly
Started out as a rent-splitting site, and still the best-known name
Settle up through Paytm in India
A full web version as well as the apps

The free plan limits how many expenses you add a day and shows ads
Nothing is added automatically from SMS or UPI
No personal spending tracking alongside the flat

Splitwise vs Splitkaro, in detail

Tricount

No paid tier at all

Free with no daily expense cap, and no premium tier
Works offline and syncs later
Imports your groups from Splitwise

Recurring expenses are not among its listed features, so rent goes in by hand
Nothing is added automatically from SMS or UPI

Tricount vs Splitkaro, in detail

Settle Up

Running the flat from a browser too

Works on Android, iPhone and the web
Not every flatmate needs the app
Imports your groups from Splitwise

Recurring expenses are Premium, ₹399 a month or ₹1,999 a year
The free tier shows ads

Which one should you actually pick?

Best for most flatsSplitkaroRecurring rent and bills, splits by room, reminders that chase for you, and expenses that add themselves from your bank SMS.

If your flat already uses itSplitwiseNobody has to switch, and the history stays put, as long as nobody hits the daily limit on adding expenses.

If you never want a paid tierTricountNo daily cap and no premium tier at all. You add the rent yourself each month.

If you want a browser versionSettle UpIt runs fully on the web. Recurring bills need Premium.

Questions, answered

What is the best expense splitting app for roommates in India?

Splitkaro, for most flats. Rent and bills are set once and come back every month, each with its own split, your bank SMS adds the rest, and reminders chase whoever has not paid. It is free for unlimited expenses.

How should flatmates split rent when rooms are different sizes?

Split the shared space equally and the bedrooms by what each one offers: size, an attached bathroom, a balcony, light. Our free rent split calculator works it out room by room and gives you a link to send the flat. Try the rent split calculator →

Which app handles recurring rent and bills for free?

Splitkaro and Splitwise both do. Settle Up keeps recurring expenses for Premium, and Tricount does not list them, so rent goes in by hand each month.

Can we pay rent by credit card and split it?

Mostly not any more. CRED, PhonePe and Paytm stopped credit card rent payments in September 2025, after new RBI rules for payment aggregators. Pay rent the usual way, add it to your flat group once as a recurring expense, and settle the shares over UPI.

Do all my flatmates need to install the app?

Not in Splitkaro. Only you need an account; flatmates without one can be added to the home group, and you keep track of their share.