FairOwe is an expense tracker with built-in bill splitting. Bank and UPI alerts become expenses automatically, parsed on your phone and never uploaded, with no SMS permission. Make groups for trips, flats or dinners, split equally, by share, exact amount or percent, and settle up in fewer payments. Add budgets, cash tracking and recurring-payment detection. Works offline, supports 162 currencies, and is built for Indian banks. Free, with an optional Pro plan.
