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 any currency, 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.
Any currency, 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.
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. It splits between everyone by default.
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Settle up
See the fewest payments, then pay by e-Transfer, Venmo, PayPal or cash.
FAQ
Questions people ask first.
Is it free?
Yes. Pennymate has no ads and no limits on groups or expenses. There is an optional tip jar.
Do my friends need an account?
No. They open the invite link, pick their name, and they are in.
Which currencies does it support?
Any. 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.
Does it work offline?
Yes. Everything works without signal and syncs when you are back online.
How do we pay each other?
However you already do: e-Transfer, Venmo, PayPal or cash. Pennymate doesn't move money. It tells you who pays whom and how much.
What happens to my data?
Your groups are shared only with the people in them. The privacy policy explains what is stored and how to delete it. Read the privacy policy.
Settle your next trip with Pennymate.
Free on iPhone and Android.