No email required • No phone numbers • Privacy-first

Split expenses & chat with friends in closed circles.

For trips, flatmates, and dinners. Sign up with a private PactTab handle—or use Google or GitHub where enabled. No contacts uploaded, no email or phone required, and no ad tracking.

Free forever • No credit cards • 10-second setup

Live Preview

Autoplay demo — all actions run locally, nothing is saved. Click a tab to take control.

Goa Road Trip 2026

admin

Beach days, scooter rentals, and seafood — every rupee settled in one private room.

Room Chat & Feed• Real-time updates

Preview

🌴 Group created by @maya — welcome to Goa Road Trip 2026• 10 days ago

Hostel is booked! Split added to Expenses 🏨

10 days ago

Made for the circles you actually share money with

DinnersFlatmatesRoad tripsWeddings & partiesCash rounds

How it works

From awkward IOUs to settled in seconds.

Create a closed circle

Invite people by username straight into a private inbox, or share a link with optional expiry, use caps, and admin approval. No contacts to upload.

Track every bill

Add expenses split equally, by exact amounts, by percentage, or by custom shares. The algorithm nets everyone's balance to the minimum transfers.

Settle up in one tap

Get the cleanest debt-settlement plan, then let the recipient affirm or dispute each payment—with the chat living right next to the numbers.

Everything Splitwise does…

…minus the data harvesting, the ads, and the sign-up bureaucracy. Plus a few things it never bothered to build.

Privacy-First Sign-In

Use only a handle and password—no email or phone required. Google and GitHub sign-in are optional where enabled, never required.

Optimal Balances

Record shared bills and let the algorithm calculate net balances and minimum debt settlement transfers automatically.

Real-Time Chat & @Mentions

Discuss plans, tag group members with autocomplete @mentions, and see financial updates live via WebSockets.

Built for real groups, not contact books.

Everything a shared wallet needs, without turning your friends into a data set.

Invite by Username

Send a direct invite to someone's handle. It lands in their private inbox—no phone contacts, no address book uploads, ever.

You Control the Door

Shareable invites can expire, cap their uses, and require admin approval. Approve or decline every join request from one queue.

Installable, Works Offline

Add PactTab to your home screen as a PWA. An offline shell keeps the app usable even when the signal drops.

Built to fix what split apps get wrong.

The basics shouldn't be locked behind a premium plan, and your friendships shouldn't be the product.

₹

PactTab

Open source

Splitwise

Closed SaaS

Sign-up that respects you

Use a handle + password with no email or phone required. Google and GitHub sign-in are optional where enabled—never required.

Email verification, often a phone number.

Every friend you add is more personal data inside the platform.

Free forever, no bait

Every feature, no paywall. No ad feed dropped between you and your money.

Ads on the free tier

And premium upgrades for what should be the baseline experience.

Real-time chat, built in

Settle up discussions and @mentions in the same thread as the money.

Messaging on the side

Chat lives on the periphery instead of inside your group's flow.

Open source & self-hostable

Audit the code, run it on your own server, own your data forever.

Closed source SaaS

Your balances sit in a black box on someone else's infrastructure.

Deletion that actually deletes

Remove your account and everything goes with you. For real.

Data that lingers

History and profiles can survive long after you leave.

Feature comparisons based on Splitwise's public product and pricing. The PactTab column is guaranteed — by open source.

Your money. Your server. Your rules.

PactTab is fully open source and built privacy-first from day one — no sneaky defaults, no data resale, no dark patterns. Self-host it or trust the public instance.

Self-Hostable & Open Source

Run the entire app on your own infrastructure with a single command. Full code auditability on GitHub — no black boxes, ever.

Encrypted Access, Not Emails

Invite members by username or with a configurable shareable link. No contacts are uploaded, and optional Google or GitHub sign-in where enabled never becomes a group identity.

No Dark Patterns, No Data Resale

No ad trackers, no fingerprinting, no data resale—only anonymous, cookie-free performance metrics. Delete your account and everything goes with you, for real.

The last expense app your group will ever need.

No contacts to upload. No email required. Sign in with a handle, or with Google or GitHub where enabled—then keep the focus on your people.