Square up with your mates.
Track who paid for what on trips and with roommates. Pennymate works out the fewest payments to settle up, in 42 currencies, even offline.
Free. No ads. Works offline.
Why Pennymate
Less math, fewer payments.
The fewest payments
Everyone sees one short list of who pays whom, instead of a web of small debts.
42 currencies, real numbers
Pay in yen, settle in dollars. Pick your card and the estimate includes its FX fee.
Offline, no sign-up to join
Add expenses on the subway with roaming off. Friends join from a link, no account needed.
Scan the receipt
Take a photo of the bill and Pennymate reads every line, in any language. Tap a name on each line, and the tax splits in proportion.
Rent that adds itself
Set rent or the internet bill to repeat every week or month. It shows up on the day, split the way you set it.
A nudge, not an argument
Tap Nudge and a friend who owes you gets a notification. They get at most one a day per group.
How it works
Three steps, start to settled.
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Start a group
Name the trip or the apartment and share the link.
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Add what you paid
Type the amount and what it was for, or scan the receipt. It splits between everyone by default, or by exact amounts, shares or items.
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Settle up
See the fewest payments, nudge whoever still owes, then pay by e-Transfer, Venmo, PayPal, Bizum, Pix or cash.
FAQ
Questions people ask first.
Is it free?
Yes. Pennymate has no ads and no limits on groups or expenses. Your first 3 receipt scans are free, and Pennymate Pro, a subscription in the app, adds 200 scans a month.
Do my friends need an account?
No. They open the invite link or type the join code, pick their name, and they are in. Friends without the app can join at trypennymate.com/app and add expenses in their browser.
Which currencies does it support?
42 common currencies. Each expense can be in its own currency. Pick the card you paid with and the estimate includes its FX fee, then you can enter what the card actually charged.
Which languages does it speak?
English, French, Spanish, German, Japanese and Portuguese.
Does it work offline?
Yes. Adding and editing expenses and recording payments work without signal, and everything syncs when you are back online. Joining a group, sending invites and scanning a receipt need a connection.
How do we pay each other?
However you already do: e-Transfer, Venmo, PayPal, Bizum, Pix, a bank transfer or cash. Pennymate doesn't move money. It tells you who pays whom and how much, and opens Venmo or PayPal with the amount filled in.
Can I remind someone to pay?
Yes. Tap Nudge next to a friend who owes you and has joined, and they get a notification, at most one a day per group. For anyone else, Request sends a Venmo request or a message with your payment details.
What happens to my data?
Your groups are shared only with the people in them. "Delete my data", under You in the app, clears everything Pennymate keeps on your phone. The expenses you entered stay in your groups under your name, because the other members' balances depend on them. Read the privacy policy.
Settle your next trip with Pennymate.
Free on iPhone and Android.