Split expenses · Free
Split the expenses.No caps, no ads.
Trips, nights out, the shared flat or a gift: everyone adds what they paid and Kazum tells you who pays whom. Your friends join with a link, with nothing to install and no account to create.
- Unlimited expenses
- No ads
- Free on every plan
Bariloche
Trip · 4 people
- CabinYou paid $240,000you lent$180,000
- GroceriesAna paid $64,000you owe$16,000
- GasLeo paid $48,000you owe$12,000
- Craft beerSol paid $36,000you owe$9,000
You are owed
$143,000
Sol joined with the link
Ana confirmed: I got it
Splitting the bill should not come with a daily cap, or ads between one expense and the next, or make your friend sign up just to see what they owe. In Kazum, Groups is free on every plan.
- 0ads
- ∞expenses per day
- 0accounts your friends need to create
- 30people per group
Who pays whom
Eight tangled debts, three payments.
Everyone adds what they paid, in any order. Kazum crosses it all and suggests the fewest transfers: whoever owes the most pays whoever is owed the most.
Everyone adds their own
From the phone or the computer, on the spot or back home. Split equally, by percentage or by item.
Kazum crosses the debts
Instead of everyone paying everyone, only a few payments are left. If someone fixes an expense, it recalculates on its own.
Pay, and the other side confirms
Whoever paid records it, with the receipt if they like, and the person getting paid taps I got it. Nobody pays twice.
Five friends with eight tangled debts. Kazum turns them into three payments: Leo pays Ana $25,000, Sol pays Ana $20,000 and Vale pays Tomi $15,000.
Friends, no account
Send a link and they are in.
Send it on WhatsApp with the message already written. Whoever opens it picks their name and sees the group like anyone else: the balance, the expenses and their share. Nothing to install, no account to create.
Send the link
Send on WhatsApp opens the chat with the message ready. You can also copy it or show the QR code.
Everyone picks who they are
They tap their name under Who are you? or join with a new one. That browser remembers them next time.
They add what they paid
They add expenses and payments, upload receipts, mark their items on the bill and confirm what they were paid.
A WhatsApp chat with the group link. Sol opens it, taps their name under Who are you? and adds what they paid, without creating an account.
Split the bill
One photo of the receipt and everyone ticks their own.
Nobody wants to do maths at the end of a night out. Snap the receipt, Kazum reads it line by line and everyone ticks what they had from their own phone, even without Kazum.
Snap a photo
Straight to the camera from the app icon shortcut. AI reads every item with its quantity and price, including the tip and discounts.
Everyone ticks their own
They join with the group link, nothing to install. What you shared is split among whoever ticks it.
Right to the cent
The tip goes in proportion to what each person had, and anything nobody ticked stays with whoever paid.
Trips
Each expense in its currency. The total, in pesos.
On a trip you pay in reais, in dollars and in pesos. Each expense stays in the currency it was paid in, with one balance per currency, and one tap shows it all together at the dollar rate you chose.
Add it as you paid it
Pick the currency next to the amount. Nothing is converted when you add it, so nobody argues about the rate.
One balance per currency
You can be owed pesos and owe reais: each currency has its own balance, and a debt in reais can be settled in pesos.
All together, at your rate
See everything in pesos puts it in a single figure at the dollar rate you chose (MEP, blue, card…) and says which one it uses.
A trip to Florianópolis with expenses in dollars, reais and pesos. Each currency has its balance and, with See everything in pesos, a single figure is left: you owe Ana $266,000.
Your balance
- You owe Ana US$160
- You owe Ana R$200
- Ana owes you $30,000
You owe Ana $266,000
MEP dollar: 1 USD = $1,500 · 1 BRL = $280
And more
Everything that happens after the split.
Getting paid, confirming, keeping the receipt and having your share count in your month. No spreadsheets, no loose screenshots.
Ask on WhatsApp
Choose the account you get paid into (alias, CBU or CVU) and send each person what they owe you and where to transfer it.
The receiver confirms
A payment counts as soon as it is recorded and stays to confirm until the other person taps I got it. If it never arrived, it is flagged.
The flat, month by month
For a shared flat: the group is viewed by month, lets you know when one closes and makes an image of the month to send to everyone.
Loans in installments
A loan group sets up the installments and reminds you when each one is due, until it is paid off.
Receipts
Up to 5 photos or PDFs per expense or payment, visible to the whole group. We strip the location from photos before saving them.
Your share, in your finances
Your share of each expense lands in your Kazum month with its category: your budgets and “Safe to spend today” count it.
Kazum and Splitwise
Side by side with free Splitwise.
What each one gives you without paying anything. If you pay for Splitwise Pro, you already have some of these; in Kazum they come with the free plan.
| Kazum and Splitwise | Kazum | Splitwise free |
|---|---|---|
| Expenses per day | Unlimited | Up to 4 |
| No ads | Yes | No |
| Friends without an account | Join with the link and add their own | Need an account to see the group |
| Read the receipt and let everyone mark their items | Yes, with AI | In Pro (free only in the US and UK) |
| See everything in one currency | Yes, at the dollar rate you choose | Pro only |
| Search expenses | Yes | Pro only |
| Ask for payment with your alias or CBU | Yes | No |
| Your share, in your personal finances | Yes | No |
Free Splitwise according to its help center and Pro page, checked in October 2026. Splitwise is a trademark of its owners; Kazum is not affiliated with them.
FAQ
What people usually ask.
Is splitting expenses in Kazum free?
Yes. Groups is free on every plan, including the free one: no cap on expenses or groups and no ads. Reading a receipt with AI uses one of your AI captures (the free plan includes 10 a month).
Do my friends need Kazum?
No. They join with the group link from the browser, pick their name and that is it: they see the balance, add what they paid, record payments and mark their items on the bill. If they ever want to, they can save the group to an account of their own.
How many people fit in a group?
Up to 30 people per group, and you can have as many groups as you like: a trip, the flat, a gift or a night out.
How is an expense split?
Equally among the people you choose, by percentage or by item: with the bill, everyone marks what they had and the tip is shared in proportion.
Does it work for a trip with several currencies?
Yes. Each expense is in the currency it was paid in, with one balance per currency. See everything in pesos puts it in one figure at the dollar rate you chose, and a debt in reais can be settled in pesos.
Does Kazum move the money?
No. The group does not move money between banks: it tells you how much and to whom, lets you ask for it with your alias or CBU and records the payment, which the receiver confirms.
Can I bring what I already have in Splitwise?
Yes, group by group, with the file Splitwise exports. Balances stay the same, to the cent. The step-by-step guide is in Import from Splitwise.
Does it work on my phone?
Yes, in the phone or computer browser, and it installs like an app. The store apps are coming very soon.
Your next trip, with clear numbers from the first expense.
For now Kazum is invite-only: join the list and we'll email you an invitation when there's room.