Everything Baant does.

Built around four steps: add an expense, calculate the shares, simplify the debts, settle up. Everything below works in the web app today unless it says otherwise.

Adding expenses

One screen, built to take a normal expense in under ten seconds and a complicated one without a fight.

Quick add: Amount, currency, who paid and who shared on one screen. Description suggests the category.
Several payers: Two people paid at the counter? Enter what each one paid.
Smart add: Type “2400 dinner paid by me with Rahul and Amit”. Baant fills in the form and waits for you to check it.
Voice entry: Say the expense instead of typing it, in browsers that support speech input. You always check before saving.
Details when you want them: Date and time, category, notes, tags, place and how it was paid.
Receipts and documents: Attach photos and PDFs to any expense. They stay on your device and go into your full export.
Duplicate check: Same amount, same day, same payer? Baant asks before you save it twice.
Refunds: Record a refund against the original expense. The original stays as it was and the net is shown.

Every way to split

Shares always add up to the total, to the last paisa, whichever method you pick.

Equally: ₹10,000 between four people is ₹2,500 each. Untick anyone who was not there.
Exact amounts: Type what each person owes; Baant shows what is left to assign.
Percentages: 40, 30, 30. Up to four decimal places when you need them.
Shares: Two shares for the couple, one for everyone else. Halves allowed.
Adjustments: Add or take off a fixed amount for someone, then split the rest equally.
Item by item: Tick who had each dish. Tax, service charge, tip and discounts follow automatically.
Paid for someone else: Pay the whole bill for three friends and leave yourself out of the split.
Hotel for four, breakfast for two: Use item-by-item lines, or add the breakfast as its own expense for the two who had it.

Currencies and exchange rates

The original amount is never thrown away, and an old expense never changes because the rupee moved.

155 currencies: Every currency in everyday use, each with its own decimals: none for yen, three for Kuwaiti dinar.
A home currency per group: Spend in baht, euros and dirhams; balances show in the group’s currency.
Card statement rate: Enter what your card was charged and Baant works out the exact rate you paid.
Trip rate: Agree one rate for the whole trip and every new expense uses it.
Reference rate for the date: The European Central Bank rate for the day, for about 30 major currencies.
Typed rate: The rate at the exchange counter, as precise as you like.
Offline rates: With no signal, Baant uses the last rate it saw and marks the expense to confirm later.
Rate needed: Save now, add the rate later. The expense waits outside the balances until then.

Balances and settling up

Net everything out, then pick how you want to settle.

Who owes whom: Each person’s balance, and the debts between every pair.
Fewest payments: Baant searches for the smallest number of payments that clears the group.
Fewest international payments: Friends in different countries settle within each country first, so fewer payments cross a border.
Only between people who shared: Nobody pays someone they never split an expense with.
No simplification: Settle debts exactly as they arose, pair by pair.
Part payments: Pay ₹4,000 of ₹10,000. The original debt, the payment and the ₹6,000 still open are all shown.
Settle in another currency: Pay a UK friend in pounds at the rate you both agree; Baant records both amounts and the rate.
Write off small change: The person owed can clear a small balance below the group’s limit.

Payments, UPI and WhatsApp

Baant hands the payment to the app you already use and records what happened. It never holds money.

Pay via UPI: Opens Google Pay, PhonePe, Paytm, BHIM or another UPI app with the amount and note filled in.
QR code on a computer: Scan the payment QR from your phone when you are working on a laptop.
Did it go through?: Back from the UPI app, say Paid, Failed, Cancelled or Verify later. Nothing is assumed.
Confirmed by the payee: A payment shows as pending until the person paid confirms it arrived.
WhatsApp messages: Send an expense, a payment request, a reminder or a trip summary to any chat.
Cash and bank transfers: Record them with a reference number (UTR) and a note.
Disputed payments: Say a payment never arrived; it is set aside until the two of you resolve it.
Payment links and more payment appsComing with accounts: A link anyone can open to pay you, and hand-offs to PayPal, Wise and Revolut.

Receipts and restaurant bills

Photograph the bill, check what Baant read, and give each item to the people who had it.

Scan a receipt: Baant reads the items, tax, service charge, tip and total from a photo, on your own device. You check every line before saving.
Live bill splitting: Tick who had what; each person’s total updates as you go.
Tax and tip your way: Share them in proportion, equally, or assign them to particular people.
Prices with tax included: For bills that print prices including GST or VAT.
Totals must reconcile: If the lines do not add up to the bill, Baant says so before you save.
Discounts and round-off: Coupons, discounts and the rupee rounded off at the till.

Repeating expenses

Rent, electricity, internet, the maid, the club subscription.

Any schedule: Daily, weekly, monthly, quarterly, yearly, or every few days, weeks or months.
Start, end or count: Run from a date, until a date, or for a number of times.
Reminders: See the next one coming up to 30 days ahead.
Add when due: One tap adds everything that is due, or let Baant add them by itself when you set it up that way.
Its own rate each time: A Netflix bill in dollars is converted at the rate on the day it falls due.

Trips and budgets

A dashboard for the trip and limits that warn before you go over.

Trip dashboard: Dates, destination, people, total spent, daily average and what is left to settle.
Budgets: For the whole trip, per day, per category and per person.
Spending breakdowns: By person, category, currency, day and place.
Group types: Trip, home, couple, friends, work or other, each with sensible defaults. Add your own categories.

Reports, exports and imports

Your data is yours. Take it anywhere, any time.

PDF statement: Cover summary, every expense, payments, balances and the settle-up plan, ready to print or send.
Excel workbook: Summary, expenses, splits, payments, balances and rates on separate sheets.
CSV files: Expenses, payments and balances for any spreadsheet.
Export everything: One file with every group, its full history and your receipts.
Import from Splitwise: Bring a group across from a Splitwise CSV export, with dates, currencies and payers kept.
Insights: Short notes such as “Food is 31% of this trip” that you can read or ignore.

History, disputes and trust

Financial history is never quietly rewritten.

Full history: Who added, changed or removed what, and when, with the reason for any change to money already settled.
Versions, not overwrites: An edit adds a version. You can see every earlier one.
Void and restore: Removing an expense marks it void; it can be restored.
Disputes: Flag a wrong amount, wrong people, a duplicate, a wrong currency, a wrong split or a payment already made.
Tamper-evident: Each change is chained to the one before with SHA-256 and checked every time Baant opens.

Groups and people

Add anyone by name. They do not need the app to be part of the group.

Unlimited groups and people: No caps on groups, members or expenses.
Roles: Owner, admins, members and guests. Admins manage people and settings; guests are friends without the app.
Leave and rejoin: People who leave keep their history; their balance stays visible until it is settled.
Share a group: Send the group as a link or a file. Friends open it in their browser and add their own expenses.
Archive: Put finished trips away without losing them.
Live sync between phonesComing with accounts: Everyone’s changes appear on everyone’s phone automatically.

Offline, private and accessible

Built to work on a mountain road and to keep your records to yourself.

Works offline: Install Baant from the browser and use it with no signal. Nothing waits for a server.
No account needed: Start splitting straight away. Your groups stay in your browser or phone.
No ads, no trackers: Baant shows no adverts and runs no analytics scripts.
Light and dark: Follows your system, or choose either.
Indian and western numbers: Read ₹1,28,450 or ₹128,450, and type amounts either way.
Accessible: Works with screen readers and the keyboard, respects larger text and reduced motion.

Business mode

Turn it on for a team, a project or client work.

Business details: Invoice number, supplier GSTIN or VAT number, tax amount, project, cost centre and client.
Reimbursable expenses: Mark what the company or client should pay back.
Approvals: Members submit; owners and admins approve, reject with a note, and mark reimbursed.
Reports for accounts: Exports carry the business fields, so your accountant can work from them.

Search and quick answers

Find any expense in any group in a second.

Search everything: Description, person, category, date, currency, amount, place and tags, across every group.
Filters: Combine date, person, payer, category, currency, amount and status.
Quick answers: Ask “who owes me?” or “how much on hotels in Goa?” and jump to the answer.
Keyboard shortcuts: Press N for a new expense and / or Ctrl K to search.

Coming next

The parts that need a server or an app store. The money engine behind them is already the one you use today.

Accounts with Google, Apple, email, phone OTP and passkeys
Live sync between phones and between everyone in a group
Push and email reminders
iPhone and Android apps in the App Store and Google Play
Hindi first, then Assamese, Bengali, Tamil and more
An assistant powered by AI, as an option

Open the web app How the maths works