Tired of bill splitters that limit you to 3 expenses a day or charge ₹3,000/year subscriptions? TracXpense is the fast, beautiful, and completely free way to track shared expenses, verify ledger integrity, and settle up in seconds via UPI.
We rebuilt shared expense tracking from the ground up: cryptographic ledger integrity, Indian UPI speed, and calm human aesthetics.
Unlike apps that limit you to 3 expenses a day and trap you behind $50/year subscriptions, TracXpense gives you unlimited splits, unlimited groups, and zero banner ads.
Every change, split tweak, and payment is sealed in a cryptographic hash chain. If a bill is edited or deleted, the audit log shows who changed what, when, and by how much.
Settle in seconds. Deep-link directly into Google Pay, PhonePe, Paytm, or CRED pre-filled with the exact rupee amount, or let friends scan your dynamic on-screen QR.
Two people paid different amounts for the same dinner? Need to split by exact rupees, percentages, or shares? TracXpense handles it all down to the exact paisa.
Manage your shared vacation or flatmate expenses in joint accounts, while maintaining your private daily budget in your secure Personal Space.
Built with integer minor units end-to-end. No floating-point roundoff errors, whether splitting in ₹ Rupees, $ USD, € Euros, or 3-decimal KWD Dinars.
No clutter. No aggressive banner ads. Just the fastest, clearest expense tracker ever built.
We didn't build TracXpense to sell you a ₹3,000/year subscription or lock you behind 10-second video countdowns. Compare our transparent Free tier, optional Pro upgrade, and Splitwise.
| Feature |  TracXpense Free | RECOMMENDED TracXpense Pro | Splitwise Free / Pro (₹3,000/yr) |
|---|---|---|---|
| Daily Expense Limits | Unlimited (zero daily caps) | Unlimited (zero daily caps) | Capped at 3 expenses / day |
| Advertisements & Timers | Zero ads, zero timers | Zero ads, zero timers | 10s wait timers & full-screen ads |
| Active Shared Groups | Up to 2 active groups | Unlimited active groups | Unlimited (with ad interruptions) |
| Splitwise 1-Click Migration | Manual entry | Full CSV import & past balances | No migration tools |
| Indian UPI & Dynamic QR | Direct GPay, PhonePe, Paytm & QR | Direct GPay, PhonePe, Paytm & QR | Generic web link, no dynamic QR |
| Multi-Payer & Split Modes | Equal & exact rupee splits | Multi-payer, % splits & shares | Clunky / limited multi-payer |
| Tamper-Evident Audit Trail | SHA-256 cryptographic seal | SHA-256 seal + 30-day trash restore | Basic activity log, no crypto seal |
| Spending Analytics | Current month breakdown | Deep 12-month category analytics & charts | Paywalled in Splitwise Pro |
| Themes & Aesthetics | Aura Dark & Light | All 6 Aura palettes + OLED Pure Black | Standard basic theme |
| Pricing & Value | ₹0 Free Forever | ₹59/mo, ₹499/yr, or ₹999 lifetime | ₹3,000/year (Splitwise Pro) |
Clear answers about pricing, ledger integrity, UPI settlements, and privacy.
Yes! The essential expense splitting loop is 100% free forever: you can record unlimited expenses, split with friends, and settle up via UPI with zero ads, zero 10-second timers, and zero daily caps. For power users who want 1-click Splitwise migration, unlimited active shared groups, deep 12-month analytics, and custom themes, we offer TracXpense Pro starting at ₹59/month or a one-time ₹999 lifetime pass.
Splitwise now limits free users to 3 expenses per day, forces you to wait for 10-second countdown ads, and charges a high recurring fee. TracXpense was engineered as an antidote: unlimited free splits, multiple payers per transaction, instant UPI settlements, and a cryptographic hash-chained activity log so no one can secretly alter balances.
Every transaction, split update, or settlement generates a SHA-256 cryptographic seal linking to the previous entry. If someone edits an old bill or changes the split percentages, TracXpense highlights the exact change and flags any discrepancy. You get complete mathematical peace of mind.
Yes! In real life, one friend might pay ₹1,500 by card while another covers ₹900 in cash. TracXpense lets you assign exact amounts to multiple payers on a single bill, and then splits the total among all members according to your rules.
When you tap "Settle Up", TracXpense can open your installed UPI app (Google Pay, PhonePe, Paytm, or CRED) pre-populated with your friend’s UPI VPA and the exact balance amount. You can also generate a dynamic UPI QR code on your screen for friends to scan on the spot.
Absolutely. You can split bills equally, by exact currency amounts, by percentages, or by shares (e.g. 2 shares for couples, 1 share for singles). Everything is computed with integer arithmetic down to the exact paisa, preventing 1-cent rounding errors.
Yes. Every user gets a dedicated "Personal Space" alongside their shared group accounts. You can track your daily coffee, groceries, and personal shopping privately with full category analytics.
Yes. While TracXpense has first-class UPI support for India, it supports 35 international currencies (USD, EUR, GBP, JPY, AUD, CAD, SGD, AED, etc.) with exact minor unit calculations.
Download TracXpense now. No credit card, no password setup, no ads, and no 3-bill caps. Ever.
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