PeyCoIn - Split & track spends

Split bills. Track spending. Settle up — across groups, friends, currencies, and languages.

PeyCoIn is built for shared money in real life: rent with flatmates, trips with friends, group dinners, personal spends, and cross-currency balances that should not need a spreadsheet.

Whether you are splitting in rupees, travelling abroad, or tracking your own monthly spending, PeyCoIn keeps the math clear and the experience calm.

━━━ MULTI-CURRENCY, WITHOUT THE MESS ━━━
Shared money often crosses borders. PeyCoIn keeps it understandable.

✦ Create groups in a fixed currency so expenses stay clean
✦ Track personal expenses in your preferred currency
✦ See clear multi-currency indicators when balances span currencies
✦ Settle across currencies by entering or using suggested exchange rates
✦ Consolidate balances into one final amount wherever possible

━━━ GROUP EXPENSES ━━━
Create a group, add expenses, and let PeyCoIn handle who owes what.

✦ Split equally, by exact amount, percentage, or shares
✦ Add friends by invite link or email
✦ Add guests before they join PeyCoIn
✦ See your net balance across every group
✦ Use simplified settlements to reduce back-and-forth payments
✦ Record every settlement in the group and friend history

━━━ FRIENDS & 1:1 EXPENSES ━━━
Not every expense belongs in a group. PeyCoIn keeps direct friend balances just as clear.

✦ See group and personal balances with each friend
✦ Track 1:1 expenses outside any group
✦ View a chronological ledger of expenses and settlements
✦ Settle everything with a friend in one flow
✦ Keep group payments and personal payments clearly separated

━━━ PERSONAL EXPENSE TRACKING ━━━
Your private spending tracker, built into the same app.

✦ Track monthly spending by category
✦ Use built-in categories like Food, Travel, Rent, Utilities, Groceries, and Health
✦ Create your own custom categories
✦ Set monthly budgets and see budget left
✦ Add recurring expenses and reminders
✦ Review your recent activity and spending trend

━━━ SETTLE WITH LESS STRESS ━━━
PeyCoIn helps you close balances without awkward math.

✦ See who owes whom instantly
✦ Use minimum-payment suggestions in groups
✦ Mark payments as received or paid
✦ Use UPI handoff for supported apps installed on your phone
✦ Keep a clean record after every settlement

━━━ INSIGHTS AT A GLANCE ━━━
Your home screen gives you the full picture.

✦ What you owe
✦ What others owe you
✦ This month’s personal spending
✦ Budget left
✦ 7-day spending trend
✦ Category breakdown
✦ Recent group and personal activity

━━━ SPEAKS YOUR LANGUAGE ━━━
PeyCoIn supports 10 languages, including English, Hindi, Spanish, French, German, Portuguese, Arabic, Japanese, Chinese, and Indonesian, with right-to-left support where needed.

━━━ BUILT FOR INDIA, READY FOR THE WORLD ━━━
PeyCoIn understands rupees, paise, UPI, group trips, flatmates, global friends, and multi-currency lives.

✦ Designed for INR and global currencies
✦ Works for local groups and international travel
✦ Google sign-in
✦ Secure sync across devices
✦ Clean, simple, multilingual experience

━━━ PRIVATE BY DESIGN ━━━
Your money data should feel personal because it is.

✦ Your expenses are yours
✦ Your data is synced securely
✦ Biometric lock support where available
✦ No noisy social feed
✦ No unnecessary complexity

PeyCoIn helps you and your people stay on top of shared money — in any group, in any currency, in any language — without turning life into accounting.

Download PeyCoIn and make every split easier.