whatdoio what do I owe?
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what do i owe? v1.8.50

Settle Group Bills.
Skip the Awkward Math.

whatdoio is a private, multi-currency ledger that freezes exchange rates, calculates the easiest mathematical path to balance your books, and instantly resolves who owes what.

9:41
5G
Japan Trip 🇯🇵
LM
Your Net Balance
+ $42.50 CAD
Active Expenses
Shinkansen Tickets Paid by Leo • Split equal
- $85.00
Tokyo Sushi Dinner Paid by You • Custom split
+ $127.50
Hotel Osaka Paid by Maya • Split equal
- $45.00
Dashboard View

Designed to keep tabs clean

No spreadsheets, no confusing maths, and no awkward balance calculations.

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Private Code Invites

No phone numbers, no banking details, and no invasive contact scanning. Just share a private 6-letter invite code to connect your group securely.

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You Approve Who Joins

Complete authority over who sees your trip ledger. Group owners approve or deny every join request before shared trip balances sync.

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Split It Your Way

Split bills equally, input exact values per person, or define custom split weights down to the cent.

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Shared Tabs Made Easy

No more dividing a single receipt into multiple separate transactions. Log expenses paid by multiple people simultaneously and let our engine calculate the weighted splits.

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Locked Exchange Rates

Exchange rates are permanently frozen the exact second you log a bill. Your group balances stay immune to market volatility and currency swings.

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Tap to See What Changed

No stealth edits and no silent balance changes. When an expense is modified, whatdoio flags it and lets any group member tap to expand and view the complete history of previous edits.

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Your Spend vs. Your Share

Ditch the mental estimations. A color-coded visual dashboard immediately contrasts your total out-of-pocket spend against your actual fair share, showing exactly where you stand.

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Simplest Path to Square Up

Our settlementsolver algorithm simplifies transactions, calculating the absolute fewest balance updates needed to square the books.

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Agree on Group Updates

Approve incoming group join requests and confirm external payment updates to automatically balance the ledger.

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Works Anywhere, Even Offline

Losing signal won't halt your ledger. As long as you are already logged in to your active session, you can still add and queue new transactions offline. They wait securely on your device and auto-synchronize the moment your data connection returns.

Private Group Sharing.
No Banking Links Required.

Privacy is our core philosophy. Connect with your friends securely without linking bank accounts or entering financial passwords. Just sign up with an email, generate a secure 6-letter invite code, send it to your group, and begin tracking immediately.

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    6-Letter Private Invite Codes Connect with your friends quickly and privately without sharing sensitive personal details.
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    Admin Access Controls Approve or deny incoming join requests before new members can view or edit group expenses.
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    Unlimited Active Groups Create separate ledgers for room rent, weekend road trips, or international vacations simultaneously.
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    Active Session Offline Queue If you lose connection while logged in, you can still enter bills. Your changes are queued locally and automatically sync once your signal returns.
9:41
5G
My Shared Groups
+
Japan Trip 🇯🇵 4 Members • Invite: XJ9K2L
Active
Apartment 4B 🏠 3 Members • Invite: Q1W7ER
Active
Road Trip 2026 🚗 5 Members • Invite: M8B3VZ
Settled
Group List Screen
9:41
5G
Add Expense Save
Expense Description
Kyoto Souvenirs
Amount Paid
12,500 JPY (¥)
Converted Amount
≈ $114.20 CAD Rates frozen at invoice time
Split Method
Split Equally ▼
Multi Currency Screen

Multi-Currency Tracking.
Rates Locked in Time.

Travel without math anxiety. Log bills in Yen, Euros, or Dollars while whatdoio calculates the conversions. We lock in the exchange rate the exact second you enter a purchase, so your final balance sheet never drifts even if currency markets do.

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    7 Supported Currencies Supports USD, CAD, EUR, GBP, JPY, CNY, and AUD natively.
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    Frozen History Conversion ratios freeze at transaction creation to protect past calculations.
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    Personalized Base Currencies Each group member can view the identical JPY group ledger in USD, CAD, or EUR on their own device.
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    Expandable Revisions Inspect every past version of an edited expense directly in the feed to verify who changed what and when.

Algorithmic Balance Calculations.
No Circular Debt Loops.

Our settlement engine calculates the absolute shortest path to zero. If Leo owes Maya, and Maya owes you, the algorithm automatically bypasses the middleman so Leo can settle with you directly in the real world—minimizing circular math and external payments.

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    Simplified Calculations Minimizes the number of external payment steps you need to make.
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    Double-Check Receipts Balances are only offset once the recipient explicitly confirms receipt in the ledger.
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    Real-Time Synchronization Ledger updates, settlements, and approvals sync instantly across all devices using real-time channels.
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    One-Tap Clipboard Copy Quickly copy group invite codes to your clipboard for swift external app shares.
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    Personal Settlement Control Toggle Smart Settlement on or off for yourself in any group to minimize or bypass transfers involving you.

Frequently Asked Questions

Everything you need to know about tracking balances with whatdoio.

Do my friends need to create an account or link their bank to join?
They never need to link their bank or enter financial info to join. However, to keep ledgers secure and sync updates in real-time, every member creates a basic account using just an email, password, and nickname. Once logged in, they can instantly join any group using a private 6-letter invite code.
Can we split bills unevenly or log multi-payer expenses?
Yes, effortlessly. While other apps restrict you to simple 50/50 splits, whatdoio gives you complete math control. Split bills equally, input exact cent values per person, split by percentages, or distribute shares when multiple people chip in for a single payment.
How do locked exchange rates protect my group balances?
When traveling internationally, currency rates fluctuate daily. whatdoio fetches live global exchange rates and permanently freezes the conversion rate the exact second you log the bill. This guarantees your final balances remain perfectly stable and conflict-free, no matter how the market swings.
What is "Smart Settlement" and can I disable it?
Smart Settlement is our built-in settlement algorithm that automatically bypasses the middleman. If Leo owes Maya, and Maya owes you, the app calculates the path so Leo can settle with you directly. You can toggle this on or off individually for yourself in any group to opt out of simplified routing and keep your transactions direct.

Forget the spreadsheets.

Download whatdoio, invite your group, and instantly resolve the question of "What do I owe?".

Download on the App Store
Get it on Google Play