F R E Q U E N T L Y A S K E D
Questions About We Settled
Everything you need to know about splitting expenses with groups.
Tap the "+" button on the home screen, name your group (like "Kerala Trip" or "Flat 302 Expenses"), pick an icon, and select your default currency (INR for most Indian groups). To invite friends, tap the share button to send a WhatsApp message with your unique invite link. Friends can also join at qizzl.com/join with your group code, or scan a QR code in person. Each member can start adding expenses immediately after joining.
We Settled offers 4 split types: Equal splits the cost evenly among selected members. Exact Amounts lets you specify each person's share—perfect when everyone orders different items at a restaurant. Percentage allows proportional splits like rent based on room size (40%, 35%, 25%). Select Members lets you include only certain people in a split. You can also record expenses paid by multiple people when friends split the bill at checkout.
Yes! Use the percentage split option for rent. If one roommate has the master bedroom (₹15,000), another has a medium room (₹12,000), and a third has the smallest (₹8,000), set splits as 43%, 34%, and 23%. The app calculates shares automatically each month. Same works for splitting electricity based on AC usage or WiFi based on who works from home.
We Settled supports 8 currencies: INR (₹), USD ($), EUR (€), GBP (£), AED (د.إ), THB (฿), JPY (¥), and SGD (S$). Your group has a base currency (usually INR for Indian groups), but each expense can be in any currency. Add a Bangkok dinner in Thai Baht, a Dubai shopping trip in Dirhams—the app converts everything to your base currency using real-time exchange rates so balances stay accurate.
Tap "Settle Up" in your group to see optimized payment suggestions that minimize total transactions. The app shows exactly how much you owe and to whom. Make the payment via Google Pay, PhonePe, Paytm, or any UPI app, then record it in We Settled by tapping the payment and confirming the amount. Balances update instantly for everyone. Add notes like "GPay txn #12345" for your records.
Yes! Add "ghost members" by entering their name and phone number. Ghost members work fully—included in expense splits with tracked balances. You can record payments to/from them normally. When they download We Settled and sign up with the same phone number, their account links automatically to the ghost profile. All expense history and balances transfer over, so nothing is lost.
Set up recurring expenses for regular bills. Create the expense (like "Rent - May"), set the split (equal, percentage, or exact), then toggle "Make Recurring" and choose frequency: daily, weekly (pick a day), or monthly (pick a date). For bills that vary, mark as "Variable Amount" to enter the actual amount each cycle. The app creates expenses automatically on schedule. Pause or cancel anytime from recurring expense settings.
We Settled is 100% free—unlike Splitwise Pro which charges for receipt scanning and currency conversion. It's built India-first with native UPI integration, phone OTP signup (no email needed), and works fully offline for travel. You also get recurring expenses, multi-payer support, and smart settlement suggestions that minimize transactions. No spreadsheet formulas to maintain, no manual balance tracking.
Yes. Tap any expense to view details, then use the edit button to change amount, description, payer, split method, or participants. Changes reflect immediately in everyone's balances. To delete, tap the delete option in expense details. The group activity feed logs all changes so members know what happened. Deleted expenses are removed from all balance calculations.
We Settled never stores your UPI ID, bank account, or card details—payment happens entirely in your UPI app. All data is encrypted during transmission and storage. We don't sell your information or show ads. Only your group members see your shared expenses. You can delete your account anytime. We comply with India's IT Act and data protection regulations to keep your information safe.
When all balances reach zero, the group can be "locked" to prevent new expenses—perfect for completed trips. Locked groups stay visible for reference but can't be modified. You can also archive old groups to declutter your home screen. Trip history, expense breakdowns, and settlement records remain accessible. Unlock anytime if you need to add a forgotten expense or correction.
Go to Settings > Account > Delete Account and confirm. Your account enters a 30-day deletion queue—log back in during this period to cancel. After 30 days, your profile data is permanently deleted. Your expenses in shared groups are anonymized as "Deleted Member" so others' balances stay accurate. This complies with data privacy regulations and gives you full control over your information.