whatdoio what do I owe?
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Viewer-Centric Group Ledger v1.8.80

Settle Group Bills.
Keep Your Spending Private.

whatdoio is a viewer-centric group expense tracker built to end awkward group oversharing. You only see the expenses and balances that directly involve you—keeping personal spending private and cutting out group clutter so you instantly know the only thing that matters: what do I owe?

Download on the App Store
Get it on Google Play
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 group oversharing, and no awkward surprises.

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Viewer-Centric Privacy

Skip the group oversharing. Unlike traditional bill splitters that broadcast every member's debts to the entire group, whatdoio only displays transactions and balances that directly involve you. What two other members owe each other remains strictly confidential.

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Co-Paid Expenses

Most apps only allow one person to pay for a bill. whatdoio lets you log expenses paid by multiple people simultaneously (e.g., co-buying groceries or booking flights) and calculates everyone's share automatically.

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Anti-Tamper Audit Trail

Say goodbye to silent balance changes. Only an expense's creator can update or delete their receipt, and whenever changes occur, whatdoio highlights the update, logs who made it, and preserves the full revision history in the Audit Trail.

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Locked Exchange Rates

Daily exchange rates are permanently frozen when an expense is logged. Your group balances stay immune to market volatility and currency swings, eliminating awkward post-trip recalculations.

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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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Active Session Offline Queue

Losing cellular signal won't halt your ledger. During an active signed-in session, you can queue new transactions offline. They sync automatically the second your connection returns.

Viewer-Centric Privacy.
No Group Oversharing.

Traditional expense splitters broadcast everyone's private spending and third-party debts to the whole group. whatdoio is built on a Viewer-Centric Privacy architecture: your dashboard only displays transactions and debts that directly involve you. What two other members owe each other stays strictly between them.

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    Peer-Debt Confidentiality You only see what you owe or are owed. Debts and settlements between other group members remain strictly confidential.
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    6-Character Private Invite Codes Connect with friends quickly and privately without sharing sensitive personal details, phone numbers, or address books.
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    Admin Access Controls Group creators approve or deny incoming join requests before new members can access the ledger or log shared bills.
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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.
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    Verified Settle-Ups Settlement payments remain pending until the recipient confirms receipt, preventing phantom payments and ensuring absolute ledger trust.
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    Hardware Biometric Shield Face ID, Touch ID, and an automatic 5-minute inactivity lock keep your personal financial records safe on your device.
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 with total confidence. Log bills in any of our 7 supported currencies (USD, CAD, EUR, GBP, JPY, CNY, and AUD) while whatdoio calculates conversions automatically. We permanently lock in daily exchange rates when an expense is logged, 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 views the shared ledger in their own preferred home currency (USD, CAD, EUR, GBP, JPY, CNY, or AUD) 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.

By default, our settlement engine calculates the absolute shortest path to zero. If Leo owes Maya, and Maya owes you, the algorithm eliminates intermediate transfers so Leo can settle with you directly in the real world—minimizing circular transactions and external payments. Prefer settling directly with the original payer? Smart Settlement is a personal, per-member preference: you can toggle it off to settle 1-to-1 directly, while any companions who leave it on continue to have their balances simplified.

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    Simplified Calculations Minimizes the number of external payment steps you need to make.
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    Recipient-Confirmed Settlements Ledger balances are never offset immediately. When someone marks a payment as sent, the recipient must confirm receipt before the ledger changes. No more fake settlements.
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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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    Smart Settlement Opt-Out Toggle Smart Settlement on or off for yourself in any group to settle directly with the person you actually owe, bypassing simplified routing when preferred.

Frequently Asked Questions

Everything you need to know about tracking balances with WhatDoIO.

What is Viewer-Centric Privacy and how does it protect my group?
Traditional expense apps treat shared groups like an open broadcast channel, where every member can see every purchase and inspect what two other people owe each other. WhatDoIO is built on a Viewer-Centric Privacy architecture: you strictly see transactions and balances that directly involve you. Interpersonal debts between other members remain completely private between them.
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-character invite code.
Can I track personal expenses without sharing them with the group?
Yes. A user can add a personal expense by selecting themselves under "Paid by" and unchecking all other group members under "Split with" so only their own name remains checked. Thanks to WhatDoIO's viewer-centric privacy architecture, the expense is 100% private: it is automatically hidden from everyone else's feed and has zero balance impact on the rest of the group.
How do I cover an entire purchase for one person (e.g., if a friend forgot their wallet)?
You can allocate an entire expense directly to one person in seconds. For example, if Dalton pays for Lee entirely because Lee forgot their wallet, Dalton selects themselves under "Paid by", and under "Split with", unchecks everyone—including themselves—so that only Lee remains checked. This assigns 100% of the cost to Lee, recording that Lee owes Dalton directly without involving or cluttering anyone else in the group.
Can we split bills unevenly or have multiple people chip in for one bill?
Yes, WhatDoIO gives you complete flexibility on both sides of every transaction. If multiple people paid upfront (e.g., co-buying groceries or booking flights), check "Multiple people paid" under Paid by to enter exact contributions, percentages, or equal shares. When dividing the bill under Split with, you can split equally, assign exact cent amounts, split by percentages, or distribute custom shares proportionally.
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 daily conversion rates when a bill is logged. This guarantees your final balances remain perfectly stable and conflict-free, no matter how currency markets swing.
What is "Smart Settlement" and can I disable it?
Smart Settlement simplifies group debts by routing payments (e.g., if Leo owes Maya, and Maya owes you, Leo pays you directly). However, if you prefer to settle 1-on-1 with the person you actually went to dinner with, you can opt out in your group settings to keep your transactions direct and transparent.
Can I delete my account?

Yes, you can delete your account directly inside the app under Profile & Settings ➔ Danger Zone ➔ Delete Account.

However, to ensure fair accounting and protect your group from abandoned debts, all balances must be fully resolved first:

  • Zero Unsettled Balances: You cannot owe money to anyone or have money owed to you across any of your active or archived groups.
  • No Pending Settlements: All pending payments involving you must be confirmed or cleared.
  • Confirmation: You must type DELETE to confirm the irreversible action.

Once all settlements and pending payments are completed, you will be able to delete your account. When you confirm deletion, your login credentials, email, and personal profile data are permanently erased from our servers immediately. Historical group receipts remain mathematically intact for your companions, but your identity is permanently anonymized as "Deleted User."

Private splits. Zero oversharing.

Download WhatDoIO, invite your group with a 6-character code, and experience a cleaner, viewer-centric expense ledger.

Download on the App Store
Get it on Google Play