Split expenses. Track Khata.
Stay settled seamlessly.

Paste any UPI SMS for an instant auto-categorized split, manage customer bahi-khata ledgers, and trigger automated polite WhatsApp nudges with zero friction.

256-bit Bank Grade Privacy•Zero Custodial Fees•GPay, PhonePe, Paytm, BHIM

Flagship Mobile Prototype

Interact live with real app screens, mock SMS ingestion, and UPI deep-links.

Direct Zero-Fee UPI Settlement Channels:

UPI 2.0Google PayPhonePePaytmBHIMWhatsApp Pay

Fintech Precision

Engineered for absolute clarity.

From split dinners with flatmates to running an immutable bahi-khata credit ledger, Splizpe simplifies shared finance into single-tap actions.

Instant Ingestion

AI Smart SMS Parser

Splizpe reads merchant descriptions, amounts, and dates directly from Indian banking SMS payloads. Click the presets below to test parsing instantly.

Sample SMS Presets (Click to test):

"Sent Rs. 3,240.00 from HDFC Bank to THE BASTION CAFE on 14-Oct. Ref: 384729104"

The Bastion Cafe

Dinner & Beverages • 4 equal shares

Parsed

Zero Friction

WhatsApp Payment Nudges

Courteous automated WhatsApp reminders with pre-filled 1-click UPI links. Eliminate awkward debt conversations entirely.

"Hey Rahul, friendly reminder about dinner at Bastion! Your share is ₹810.00."

Bahi-Khata

Digital Khata Ledger

Store credits, customer balances, and receivables with clear aging trackers and PDF export.

Gupta Kirana Store12 days overdue

₹3,400

Apex Co-WorkingCleared on 12-Oct

₹12,800 ✓

Mehta Provisions3 days overdue

₹1,650

Custom Math

Fair Split Modes

Equal, exact rupee amounts, percentage weights, or itemized bill dishes. Calculated to the exact paisa.

Formula:Total ₹2,000 ÷ 4 People

Per person:₹500.00 each

Min-Cash Flow

Settlement Tree Compression

Splizpe calculates minimum flow graph algorithms so groups settle all mutual debts with the fewest possible UPI transactions.

Flat 402 • 18 Expenses14 Debts ➔ 2 Direct Payments

Net Cleared:₹64,200

3 Easy Steps

Zero spreadsheets. Pure ease.

From first tap to settled balance in less than thirty seconds.

Add circle or customer

Import friends from phonebook or generate a zero-friction QR invite link. Shop proprietors add customer khata accounts identically.

One-tap contact sync

Paste UPI SMS or snap bill

Copy any transaction alert from HDFC, SBI, ICICI, or GPay. Splizpe extracts merchant name, total, and computes equal or custom shares.

Real-time SMS & OCR Engine

Settle and forget

Settle with native deep-linked UPI payments. Courteous WhatsApp nudges follow up until everyone's balance reads zero.

Autonomous chasing

Benchmark

Why discerning users choose Splizpe.

Purpose-built for modern Indian digital payments and authentic group dynamics.

Capabilities	Splizpe	Splitwise	Paper Ledger
Instant UPI SMS Parsing	Automated	Manual Entry Only	None
WhatsApp Payment Nudges	Built-in Bot	Generic Email	Awkward Phone Calls
Retail Digital Bahi-Khata	Complete Ledger	Not Supported	Physical Diary
Native UPI Deep-Links	1-Click Native	Third-party US links	Manual Cash
Settlement Tree Compression	Included Free	Behind Paywall	Impossible Math

Frequently Answered

Questions & answers.

We are currently rolling out closed private beta access on Android and iOS / Web. Enter your email or phone number in the VIP access form below, and we will send your download access link immediately.

Yes. The fundamental core features — unlimited bill splitting, friend groups, basic digital khata ledger, and zero-sum debt compression — remain 100% free with zero settlement markup. An optional Pro tier offers multi-store analytics and branded PDF statements.

You add a customer, record credit balance (udhaar) or payments, and an immutable journal entry is stored. You can send automated WhatsApp payment reminders with dynamic UPI QR codes and export date-stamped balance PDFs.

Your transactions are encrypted with AES-256. Splizpe never holds custodial bank balances or sells user behavioral data. Settlements occur directly peer-to-peer over official NPCI UPI infrastructure.

Splizpe is purpose-built for India: paste any UPI/PhonePe SMS to log expenses instantly, send WhatsApp payment reminders with UPI deep-links, and run a proper bahi-khata ledger for your shop.

EARLY BETA ACCESS

Start settling the smarter way.

Join our early access list. Get notified when we launch on Play Store & App Store.

No spam ever• Early access only• Launch notification

Split expenses. Track Khata.Stay settled seamlessly.