whatdoio what do I owe?
Download
what do i owe? v1.8.56

Settle Group Bills.
Skip the Awkward Math.

whatdoio is a private, multi-currency ledger that locks exchange rates at the exact moment of each transaction, calculates the easiest path to balance your books, and instantly answers the only question 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 confusing maths, and no awkward balance calculations.

👥

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 handles the math automatically.

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Anti-Tamper Audit Trail

Say goodbye to silent balance changes. If a roommate edits an old receipt or deletes a bill, whatdoio highlights the change, logs the user who did it, and displays the exact revision history.

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Locked Exchange Rates

Exchange rates are permanently frozen the exact second you log a bill. Your group balances stay immune to market volatility and currency swings.

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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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Direct-Pay Preference

Prefer to skip automated debt simplification that routes payments to others that you haven't interacted with? Opt out individually to always settle directly with the person you actually owe, while other group members continue using simplification.

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Works Offline (Logged-In)

Losing signal won't halt your ledger. As long as you are already signed in to your active session, you can queue new transactions offline. They sync automatically the second you reconnect.

Private Group Sharing.
No Banking Links Required.

Privacy is our core philosophy. Connect with your friends securely without linking bank accounts or entering financial passwords. Just sign up with an email, generate a secure 6-letter invite code, send it to your group, and begin tracking immediately.

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    6-Letter Private Invite Codes Connect with your friends quickly and privately without sharing sensitive personal details.
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    Admin Access Controls Approve or deny incoming join requests before new members can view or edit group expenses.
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    Unlimited Active Groups Create separate ledgers for room rent, weekend road trips, or international vacations simultaneously.
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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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    Biometric Security Lock Sign in securely using Face ID or Touch ID to keep your transaction records and balance sheets private 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 without math anxiety. Log bills in any of our 7 supported currencies (USD, CAD, EUR, GBP, JPY, CNY, and AUD) while whatdoio calculates the conversions. We lock in the exchange rate the exact second you enter a purchase, 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.

Our settlement engine calculates the absolute shortest path to zero. If Leo owes Maya, and Maya owes you, the algorithm automatically bypasses the middleman so Leo can settle with you directly in the real world—minimizing circular math and external payments.

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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.

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-letter invite code.
Can we split bills unevenly or log multi-payer expenses?
Yes, effortlessly. While other apps restrict you to simple 50/50 splits, whatdoio gives you complete math control. Split bills equally, input exact cent values per person, split by percentages, or distribute shares when multiple people chip in for a single payment.
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 the conversion rate the exact second you log the bill. This guarantees your final balances remain perfectly stable and conflict-free, no matter how the market swings.
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.

Forget the spreadsheets.

Download whatdoio, invite your group, and instantly resolve the question of "What do I owe?".

Download on the App Store
Get it on Google Play