Debtly

Debtly: Clear accounts, lasting friendships.

Effortless multi-currency management and complex split logic designed for the modern social network. No more awkward math at dinner.

Join the waitlist — coming soon on iOS & Android

Debtly app showing current balance and recent splits

Before Debtly

Sound familiar?

Shared expenses live in group chats, spreadsheets, and vague promises — until someone stops answering.

Example group chat showing common shared expense frustrations

Saturday dinner Group chat · 4 people
  • Alex

    I paid for dinner — can someone figure out who owes what?

  • The group chat turns into a spreadsheet.

  • Sam

    "I'll pay you later" — and balances drift for weeks.

    Seen · 3 weeks ago

What's included today

Powerful splitting features, right now.

These are the best tools Debtly offers today — built to handle real-world shared expenses without the spreadsheet headaches.

  • Multicurrency Conversion

    Settle tabs in any currency. Real-time rates ensure no one loses out on exchange fees.

  • Custom Splits (Shares/%)

    Go beyond 50/50. Split by percentage, specific amounts, or custom shares effortlessly.

  • Collaborative Groups

    Shared vaults for trips, roommates, or events. Everyone stays in the loop, always.

  • Smart Labels/Priorities

    Organize expenses with AI-driven labels and set priorities for urgent repayments.

  • Smart Debt Simplification

    Netting engine that reduces the number of payments between friends. Pay one person, not ten.

The Roadmap

Building the Future of Social Finance

Innovative solutions coming soon to streamline your shared financial life.

  • Coming Soon

    AI Receipt Scanning

    Snap a photo and let our AI extract items and prices automatically. The end of manual entry.

  • Coming Soon

    Auto-Reminders & Payments

    Gentle automated nudges and direct bank integrations for seamless, one-tap settlements.

  • Coming Soon

    Debt Assistant Chatbot

    Create debts, splits, and group expenses by chatting naturally — no forms, no friction.

How it works

Up and running in minutes

Three simple steps to clear shared expenses — no spreadsheets, no awkward follow-ups.

  1. Join the waitlist

    Sign up with your email to get early access when Debtly launches on iOS and Android.

  2. Create a group or add an expense

    Trips, roommates, dinners — start with whoever you share money with.

  3. Split, track, settle

    Log who paid, split fairly, and follow balances until everyone's square.

Join the waitlist

Frequently asked questions

Is Debtly free?

Yes. Debtly will be free to use on iOS and Android. No subscription is required to track shared expenses.

Is Debtly available on iOS and Android?

Debtly is coming soon to iOS and Android. Join the waitlist for early access — we'll email you when the app launches.

Do I need an account on the web?

No. debtly.tech handles app links and email verification. Create your account in the mobile app — that is where you manage expenses.

How do groups work?

Create a group for trips, roommates, or friends. Add expenses, split them fairly, and see everyone's balance in one place. Invite others with a code or link.

Is my data secure?

Your data is stored securely with encrypted connections and standard authentication. You control who sees shared expenses through groups and invites.

Founder's Club

Join the next generation of social finance.

Get 6 months of Debtly Pro for free by joining the waitlist today. Limited to the first 500 members.