Personal Finance App Development

WhoPays is designed for people who regularly share expenses. It works for friends, roommates, couples, and travel groups, helping them track spending, split costs, and understand who owes whom without confusion. The main idea is simple: remove manual calculations and make shared money transparent and easy to manage.

We implemented a flexible splitting engine to support different real-world scenarios. Expenses can be divided equally, by share, percentage, or custom amounts. The system recalculates balances dynamically after each change, handling edge cases like partial payments, uneven splits, and updates to existing expenses. Each expense also supports additional data such as descriptions, notes, and attachments.

The receipt scanner uses OCR and parsing logic to extract structured data. Users can upload a photo, and the system automatically detects line items, amounts, and currency. This reduces manual input and speeds up expense creation, especially for group scenarios like travel or dining.

WhoPays also supports voice input. Users can record a message, and the system identifies key details such as category, name, date, currency, payer, and how the expense should be split between participants. This makes adding expenses faster, especially in everyday situations.

The app supports more than 150 currencies. Each group can have its own base currency, while individual expenses can be recorded in different ones. Balances are calculated accordingly, and settlements can be made in any currency. This makes the app usable for international groups and travel scenarios.

We implemented real-time synchronization across devices. All actions, including adding expenses, editing entries, or settling payments, are instantly reflected for all group members. The app works consistently across iOS and web, ensuring a unified experience.

The platform includes a full settlement and reporting layer. Users can mark payments, close balances, and view categorized summaries. A detailed history of all actions is stored, including edits and settlements, providing full transparency.

The app includes reminders for unpaid balances and new expenses. Users can attach photos or files to expenses, such as receipts, and share groups via links for quick onboarding.

WhoPays supports a wide range of scenarios, including travel expenses, shared living costs, family budgeting, and group events. AI features and flexible splitting logic reduce manual effort and make the app easy to use in everyday situations.