Split Bills in India.Then settle over UPI.
Track flat rent, the mess bill, the Swiggy order, and the Goa trip in rupees — or any currency with live conversion — and settle balances over UPI from whichever app each person already uses. Free, with no ads, no subscription, and no daily expense limit.
Bill split calculator (₹, UPI-ready)
Split any bill in rupees and get each person’s exact share, ready to request over UPI.
Everyone pays the same.
Enter a bill total to see the split.
- Person 1₹0.00
- Person 2₹0.00
- Person 3₹0.00
- Person 4₹0.00
- Bill total
- ₹0.00
- Total
- ₹0.00
Now get the money back.
FamZam tracks the balance and lets everyone settle over UPI from any app — free, with no ads and no daily expense limit.
Why settlement matters more than arithmetic here
UPI made repayment instant. Most apps ignore that.
Bill splitters were designed where paying someone back is slow, so they stop at a balance. In India the maths stopped being the hard part years ago — what people want is the number and their UPI app.
No cap on a month of flat expenses
Rent, electricity, water, cook, maid, internet, gas, and a rotating grocery run is fifty-plus entries a month. FamZam has no daily expense limit and no ads.
GST, delivery and packing charges, split properly
Split the food by what each person ordered and share the fees and GST in proportion — not evenly, which overcharges whoever ordered least.
How to split bills and settle over UPI
- 1
Create the group
Flat, office team, or trip. Everyone sees the same balances.
- 2
Add the recurring flat expenses once
Rent, electricity, water, internet, cook and maid. FamZam repeats them each month so only the variable ones need entering.
- 3
Log the one-offs as they happen
The Swiggy order, the cab, the cylinder. Thirty seconds at the time beats reconstructing four days from a phone gallery.
- 4
Settle over UPI
FamZam shows exactly who owes whom and the fewest payments that clear it. Each person pays from whichever UPI app they already use.
The three situations Indian groups actually split in
Flat and PG expenses
High volume and monthly. Set the recurring ones up once and only enter the variable ones by hand — otherwise you are re-typing the same seven bills twelve times a year.
Office lunch and team orders
One person orders for eight with delivery, packing charges, GST, and a coupon on top. Split food by what each person ordered, share fees proportionally, and apply the coupon discount across everyone.
Group trips
Whoever’s card was on the booking is tens of thousands out of pocket on day one. Split fixed costs before departure, log daily costs as you go, and settle once at the end.
Mixed-currency groups
When half the group is abroad, add each expense in the currency it was paid in and let it convert at live rates. One balance still works across borders.
The India-specific cases
Splitting a Swiggy or Zomato order
Food by what each person ordered; delivery, packing and GST in proportion to each person’s food total. Splitting a ₹120 delivery fee evenly when one person ordered ₹90 and another ₹450 is where the quiet irritation starts.
A coupon or first-order discount
Apply it proportionally across everyone. A 30% off code applies to the whole order, so every share drops by 30% — it should not be pocketed by whoever found it.
Someone pays the whole month’s bills and gets reimbursed
Log the bills as expenses and the reimbursement as a payment, not another expense. Recording a repayment as an expense splits it again and puts the ledger wrong in two directions.
Cash payments to a cook, maid, or vendor
Log the individual payment, not the ATM withdrawal. Recording the withdrawal makes it look like the group spent that money on nothing and hides whatever cash is left over.
Someone in the flat has a much tighter budget
A smaller regular payment collects far more than a demand does, and a visible balance means nobody has to raise it as a confrontation. Splitting rent by room size rather than evenly often solves most of it up front.
Frequently Asked Questions
What is the best bill splitting app in India?
FamZam is free with no ads, no subscription, and no daily expense limit, tracks in rupees or any currency, and lets everyone settle over UPI from whichever app they already use. Splitkaro is the other strong India-built option, though it is ad-supported.
Is there a free bill splitting app with UPI settlement?
Yes. FamZam tracks who owes what and settles balances over UPI at no cost and with no ads. Splitkaro and Google Pay’s built-in bill split also settle over UPI, though Google Pay is a payment feature rather than a durable ledger.
How do you split a Swiggy or Zomato order between friends?
Split the food by what each person ordered, then share the delivery fee, packing charges and GST in proportion to each person’s food total rather than evenly. Splitting fixed fees evenly overcharges whoever ordered least.
Can I split expenses in rupees and another currency together?
Yes. Add each expense in whatever currency it was paid in and FamZam converts it at real-time rates into one running balance — which matters when part of the group is abroad or the trip crosses borders.
Is there a limit on how many expenses I can add?
Not in FamZam. That matters for Indian flats and PGs in particular, where rent, electricity, water, cook, maid, internet, gas and a rotating grocery run easily produce fifty or more entries a month.
How do you record a repayment rather than an expense?
Log it as a payment, not as another expense. Recording a repayment as an expense splits it across the group again and puts the ledger wrong in two directions at once — it is the single most common cause of balances that will not reconcile.