Learn Cute Split
in a few minutes.

Getting started

Cute Split helps you split trips and bills with friends. You sign in with your mobile number, and there is no password.

1. Install Cute Split from Google Play. It needs Android 7.0 or newer.

   Coming soon to Google Play

2. Sign in with your number. Type your 10-digit Indian mobile number and tap Continue. A 6-digit code arrives on WhatsApp or by text message. Type it in. If it does not come, tap Send it by text message instead. On many phones, Android can fill in the code for you after you allow it.

3. Choose your name. Type the name your friends will see in groups. You can change it later in Settings. Then you are on the home screen.

The home screen

Home shows your month at a glance, and it is one tap from everything you do most.

• The top bar has a greeting, the bell for notifications and invitations, and the gear for Settings.
• The big card shows what you spent this month. That is your own share of the bills, not the whole bill. Under it, two tiles show what you get and what you give.
• Quick actions: Settle up, New group and Add friend.
• Invite friends shares a short invitation and the link to the app, on WhatsApp or any other app.
• Get started is a short checklist: add a friend, add an expense, settle up. Tap Hide this card when you are done.
• Recent groups, Monthly bills and Recent activity take you to the group you use most, the bills that come by themselves and what just happened.
• Your spending is further down: a chart of your own share over the last 7 days, 4 weeks or 6 months, with your top categories.
• Add expense is the green button at the bottom right. The bar at the bottom opens Home, Groups, Friends and Activity.

Friends

Friends are the people you share costs with. The Friends tab shows your balance with each of them.

1. Tap Add friend, on Home or in the Friends tab.

2. Type a name. A nickname and a phone number are optional. You can also tap Choose from contacts to pick one person in your phone’s own contact list.

3. With a number, your friend sees what you share as soon as they join Cute Split and accept. Until then you see Waiting to accept, and you can already add expenses with them.

Tip: a phone number cannot be changed later. To use a different one, add the person again.

Groups

A group keeps the costs of a trip, your flat or an event in one place, so you can see every balance.

1. Tap New group.

2. Give it a name, for example Goa trip. Choose a type: Trip, Home, Couple, Event or Other. Add the dates if you like.

3. Choose who is in the group. Pick at least one friend, or add a new one. Then tap Create group.

A group has three tabs: Expenses, Balances and Members. Search by name, person, amount or date, and show only the days you choose.

Who pays whom

Cute Split does not make everybody pay everybody. It finds the smallest number of payments that settle the group, and tells you how many you save, for example “Just 3 payments settle everyone, instead of 6.” Each line has a Settle up button.

Look after a group

• Add or remove people: open the group’s menu and choose Add or remove people. Only the group owner can remove people, and not someone who has expenses in the group.
• Lock group: when the trip is over, lock the group. Nobody can add, change or delete expenses, but everyone can still record payments. Only the person who runs the group can unlock it.
• Leave group: the group disappears from your phone. The others keep everything, and somebody can add you again later.
• Delete group: this deletes the group, its expenses and its payments for everyone in it. It cannot be undone.

Add an expense

Tap Add expense. Every new expense starts as Personal, and you switch it to Friends or a Group when others share the cost.

1. Who is it for? Personal is just for you. Friends splits it with friends, without a group. Group splits it with the people in a group.

2. Fill in the basics: the amount, what it was for, the category and the date. The category is picked for you while you type, from English, Hinglish or Hindi words, and you can change it.

3. Who paid? One person, or several (see below).

4. How to split: choose one of the five ways in the table and the people who share it. The form shows what is still missing, and tells you when everything adds up.

5. Tap Save expense. Balances update straight away.

Five ways to split

When several people paid

Tap Several people paid and type what each person put in. The person marked Pays the rest is worked out for you, so nobody else’s amount changes by itself. A check tells you when what was paid matches the bill, or by how much it does not.

Change, delete or undo

Tap an expense to see who paid and each person’s share. You can edit or delete it, and Undo brings it back. An expense that belongs to a group stays in that group. To move it, delete it and add a new one. In a locked group, expenses cannot be added, changed or deleted.

Share one expense

Open an expense and choose Share this expense to let chosen people look at it. They cannot change it, and their own balances are not affected.

Group fund

A group can collect money before or during a trip, pay bills from it, and give back what is left.

1. Open the group and tap Add money on the group fund card.

2. Choose who gave the money. All group members – equal share fills everybody in with one tap, or you pick people and type what each one gave. You can add more any time: before the trip, in the middle, or every day.

3. When you add a bill, turn on Pay from group fund. Everybody’s share is taken from the money they put in. If the fund is short, it goes below zero, and members settle the rest.

4. At the end, tap Record pay-back to give back what is left.

The group always shows what the fund holds, what was put in and what was spent. The fund is not spending: money put in and paid back is never counted as an expense. A locked group cannot take money into the fund.

Settle up

When you pay a friend, or a friend pays you, record it. Cute Split only keeps the record. The money itself moves outside the app, with cash, UPI or your bank.

1. Tap Settle up, on Home, in a group’s Balances tab or on a friend’s page, and choose a balance. Or choose Record a different payment.

2. Check who paid and who received the money. Tap the arrows to swap them. Type the amount and pick the date.

3. Choose how it was paid: Cash, UPI, Bank transfer or Other. Add a note if you like.

4. Tap Save payment. The balance updates at once. If you delete the payment later, the balance goes back to what it was.

Pay in your own UPI app

When you record a payment in rupees, Cute Split can help you pay.

1. Choose UPI. Cute Split lists the UPI apps on your phone, such as Google Pay, PhonePe or Paytm.

2. Tap one. Your friend’s number is copied, and the app opens.

3. Paste the number, enter the amount and pay with your own UPI PIN.

4. Come back to Cute Split. It asks Did you pay? Tap Yes, save it.

Remember: Cute Split never starts or holds a payment, and it never sees your PIN. If a friend shares their UPI ID, you can copy it too. Share yours in Settings, under My UPI ID.

Reminders and write-offs

• Send a reminder: on a friend’s page, one tap sends a gentle reminder. You can remind each friend once every 24 hours.
• Write off: on an expense, forget what somebody still owes you for that bill. It comes off their balance, and no money has to move. You can take it back from the same screen.

Share a summary

Send a friend, or everyone in a group, how things stand and who has to pay whom. Nobody needs the app to read it.

1. Open a friend or a group and tap Share summary, or Share on WhatsApp.

2. Choose what to send: a Message or a Picture. Choose the language: English, Hinglish or Hindi. Turn on List the latest expenses if you want them in it.

3. Tap Send on WhatsApp. It opens your chat, and you only press send. Or tap Share to use any other app, or Copy text.

The invitation on the Home screen works the same way: Invite friends shares a short message and the link to the app.

Monthly bills

Rent, internet, the cook: set the date once, and the app adds the expense for you every month, split equally.

1. Open Monthly bills from Settings, or from the card on Home.

2. Start with a common bill (Phone recharge, Internet, Rent, Electricity, Water, Gas cylinder, Cook, Maid, OTT / streaming, Gym, EMI or School fees), or make your own.

3. Choose the amount, the date every month, an icon and a category. Choose who shares it: just you, friends or a group. Then say who pays it.

In a month with fewer days, the bill is added on the last day. You can pause a bill: nothing is added while it is paused, and the months that went by are skipped when you switch it on again. When a bill has been added, you get a notification.

Activity and export

Every expense and payment you record shows up in the Activity tab, newest first.

• Search the whole list, or tap the filter button.
• Filter by what to show (everything, expenses or payments), by dates (all time, this month, the last 30 days or your own dates), by category and by who it is for.
• Totals show how many expenses match, the total, and your share.
• Export your activity as a spreadsheet (CSV) file with the download button. Settings also has Export everything, for all expenses and payments.

Settings

Tap the gear on the home screen to open Settings.

Your name

Tap your name at the top to change it. It is how your friends see you in groups.

Theme

Same as phone, Light or Dark.

Currency

The rupee, US dollar, euro, pound, UAE dirham, Singapore dollar, Australian dollar or Canadian dollar. Only the symbol changes. Amounts are not converted.

Words for balances

Six ways to say who owes whom: Get and Give, Lena hai and Dena hai, Owed and Owe, Have to get and Have to pay, Milna hai and Dena hai, or Hindi letters. Only the words change, never the amounts.

Categories

Make your own, like Tapri, Gym or Rent, with an icon and words that pick it while you type.

Monthly bills

Bills that are added for you every month.

My UPI ID

Share your UPI ID with the people you split with, so they can pay you in one tap. Only people who have accepted each other can see it. Clear the box and save to stop sharing.

Notifications

Choose what you hear about: groups, expenses and payments, invitations and payment reminders.

Blocked people

See the people you blocked, and unblock them.

Contact photos

Optional. Show the photo a friend has in your phone’s contacts. It is read only when needed, and it is never saved or sent anywhere.

Export everything

Save all expenses and payments as a spreadsheet file.

Invite friends

Share the link to the app on WhatsApp or any other app.

Help and about

How Cute Split works, Rate Cute Split, the Privacy policy, the Terms of use, the Open-source licenses and the version of the app.

Add from the home screen

Add an expense in a few seconds, without opening the app first.

• The widget: add the Cute Split Add expense widget to your home screen. It has buttons for the common categories.
• The app icon: press and hold the Cute Split icon and tap Add expense.
• The quick sheet: type the amount, say what it was for if you like, and choose Just me or a group. The button tells you how much it is about to add, for example Add ₹250. In a group, you paid, and it is split equally between its members.

Your account and safety

Your data is kept in your account. Only you and the people you split with can see it.

Need help?