WhatsApp-native · No download · No signup

Your WhatsApp group
already knows who paid.

SplitKaro tracks every expense, splits every bill, and records every settlement — inside the WhatsApp group you already use.

Goa Trip 2024 🏖️ 4 members
Paid ₹1800 for dinner 🍽️
Split among 4? ₹450 each
Yes
Done ✅ Amit, Neha & Priya each owe ₹450 to Rahul

Every tool works.
Just not where you are.

Splitwise

Works great — if you can convince your whole group to download it, sign up, and remember to open it.

Google Pay

Tracks payments, not expenses. No ledger. No running total. No way to see who owes what.

Excel

Works until someone forgets to update it. Then it's just a monument to the last time someone cared.

The WhatsApp thread

Works until you need to find something from three weeks ago. Then you're scrolling for twenty minutes.

None of them live where the conversation happens. SplitKaro does.

Here's what a real session looks like.

GT
Goa Trip 2024 🏖️
4 members
Today
Rahul
Paid 1800 for dinner 🍽️
8:42 PM
SplitKaro
Split among 4? ₹450 each
8:42 PM
Rahul
Yes
8:43 PM
SplitKaro
Done ✅ Amit, Neha, and Priya each owe ₹450 to Rahul.
8:43 PM
Two days later
Amit
Paid Rahul 450
10:15 AM
SplitKaro
✅ Amit settled ₹450 with Rahul. Balance: ₹0
10:15 AM
💬

No new app. No account. The bot lives in your existing group.

One message to log an expense. The bot confirms immediately.

Settlements clear automatically. Balance goes to zero.

One message to log.
One message to settle.

01

Add the bot

Add SplitKaro to any WhatsApp group like you'd add a contact. It joins as a participant and starts tracking immediately. Nothing changes about the group.

02

Type what you paid

"Paid 2000 for Airbnb." The bot reads it, calculates the split, and posts the breakdown. No form. No tap sequence. No new interface to learn.

03

Settle with one message

"Paid Rahul 500." The bot records it, updates every balance, and confirms the settlement. Ask "who owes what" anytime — you get a clean answer.

SplitKaro only reads messages that include a spending keyword. No other messages are read or stored. Your conversations stay yours.

Every trip I've taken with friends ends the same way. Someone pulls up a notes app. Someone else starts a WhatsApp thread. Someone who paid for the hotel is still waiting three weeks later.

We build software that automates how large buildings run — cutting energy waste, making operations smarter, more sustainable. We're talking ₹500 crore+ in infrastructure managed. But splitting a Goa trip with six friends? Still a mess.

The problem isn't math. It's friction. Every solution needs a new app, a new login, and a ten-minute group chat to convince people to use it. Nobody does that. Everyone's already on WhatsApp.

So we built SplitKaro to live where the conversation already happens.

AD
Atul Dhaka
Co-Founder, SplitKaro
TG
Tapish Garg
Co-Founder, SplitKaro

First 500 users get lifetime free access.

Free during early access. Drop your name and WhatsApp number — we'll message you the bot contact and instructions when your spot opens. No app download. No account setup.

We'll reach out on WhatsApp. No spam, ever.