byosw

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers.

【Sound familiar?】

• Eight friends took turns paying on a trip, and now nobody can untangle the currencies.
• Roommates split utilities, but the bill is different every month and someone always feels shortchanged.
• Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair.
• A group gift where everyone chipped in different amounts.
• You spotted a friend a cab fare three months ago and forgot.

byosw handles all of these.

【How it fits real life】

• Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip.
• Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap.
• Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly.
• Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe.
• Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency.

【Premium in other apps, free here】

Many bill-splitting apps hide useful features behind subscriptions — advanced split methods, currency conversion, group limits...

byosw includes them all, free:

• Four split methods: equal, exact, percentage, shares
• Live multi-currency conversion
• Smart settlement (minimum transfers to clear all debts)
• Real-time push notifications, activity history, friend system
• Three sign-in methods, three languages, light/dark themes

Settle the money, then go enjoy each other's company.

【Privacy】

byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers.

Full privacy policy: https://byosw.fcreps.com/privacy/

【Account Deletion】

Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately.

【Support】

Questions or feedback: support@fcreps.com