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FairOwe: Expense & Split
Track spending, split bills, settle up with friends.
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.
Hey Product Hunt! I'm Ganesh, and I built FairOwe because every expense tracker I tried wanted either my SMS inbox or an hour of typing a day.
FairOwe reads only the notifications your bank and payment apps post (HDFC, ICICI, SBI, Axis, Kotak, GPay, PhonePe, Paytm and more), parses them on your phone, and turns each one into a draft you confirm or throw away. It never asks for SMS permission, and the alert text never leaves your device.
It also handles the other half of money with friends: groups for trips and flats, splits (equal, share, exact, percent), and debt simplification so four people settle in two payments instead of six.
- Offline-first, syncs only the finished expense
- 162 currencies (auto-capture reads Indian bank alerts, in rupees)
- Delete account really deletes
Free to use; Pro adds receipt scanning, exports, trips and no ads. It's Android-only for now.
I'd love feedback on what you'd want next, and on which banks' alert formats I should add.
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About FairOwe: Expense & Split on Product Hunt
“Track spending, split bills, settle up with friends.”
FairOwe: Expense & Split was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #135 on the daily leaderboard. 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.
FairOwe: Expense & Split was featured in Android (57.7k followers), Fintech (47.7k followers) and Money (4.7k followers) on Product Hunt. Together, these topics include over 76.6k products, making this a competitive space to launch in.
Who hunted FairOwe: Expense & Split?
FairOwe: Expense & Split was hunted by Ganesh Jaiwal. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Ganesh Jaiwal