The calm home for shared money
Free shared expense tracker & bill splitter
Money, composed.
One quiet place to see what you spent, set what you can spend, and split what you share — with the people you actually share it with.
Type to add
Write “dinner at olive 1200 with priya” in plain words — AI parses your natural-language input into a clean, categorised expense entry split across your group in one step.
Scan receipts
Point your camera at any receipt — our AI receipt scanner reads the total, merchant and date automatically. Log shared grocery bills, restaurant tabs and travel costs before you put your phone away.
Split & settle up
Split shared bills equally, by percentage or exact amount between roommates, family or travel companions. The settle-up screen calculates who owes whom and minimises the number of transfers needed.
Budgets & spending insights
Set a monthly budget per spending category — groceries, dining, travel, utilities — and watch a real-time meter as you spend. Monthly trend charts and filterable reports keep your household finances in full view.
Made for sharing
A ledger that feels like a conversation
Shared money isn't just numbers — it's people. Snugtab adds the small, human touches that keep a group in sync, and puts you in control of what's kept.
Comment on any expense
End the “wait, what was this charge?” texts. Ask and answer right on the entry — the context stays attached forever, long after the group chat has scrolled away.
Read the storyReact with a tap
A thumbs-up says “seen it, all good” without a single message. The smallest unit of trust — and in a group, it quietly adds up.
Read the storyKeep receipts, your choice
The AI reads your receipt and discards the image by default. Keep a specific one only when you choose to — opt-in, clearly marked, never a surprise.
Read the storyYour data stays yours
We never touch your money — only the record of it. No ads, no data resale, no trackers. Ever.
Encrypted in your browser
Lock any entry on your device — only you hold the key.
Secure by design
Encrypted in transit, hardened against common attacks.
Verified changes
Sensitive changes need email confirmation — no quiet takeovers.
You control access
Decide who joins each ledger, and remove them any time.
Loved by households
Real reviews from real people who track the money they share with Snugtab every day.
loving the app, easy to maintain
Best app to manage all your expenses at one place
From first expense to settled up — in one calm place
Scroll the same screens you’ll use. No setup wizard, no spreadsheets — just the moments that matter.
Type it like you’d say it
“84.20 whole foods split with priya” becomes a clean, categorised, already-split expense. No nine fields, no friction.
- Natural-language parsing for amount, merchant & split
- Snap a receipt and we hold onto it
Some entries are yours alone
Lock any expense with end-to-end encryption. The amount and notes are sealed with a key derived from your password — not even Snugtab can read them.
- AES-256-GCM, encrypted in your session
- Zero-knowledge — the server stores only ciphertext
The fewest payments to make it even
Snugtab untangles a month of shared spending into the minimum set of transfers. One tap records the settlement and clears the slate.
- Debt-simplification across the whole group
- One-tap record, with a full settle history
- SamYou$8.00
- YouPriya$5.50
- AaravSam$12.00
- PriyaYou$9.00
- YouAarav$6.50
- SamPriya$4.00
- SSamYou+$24.50
- YouPPriya−$12.00
See where it goes, month over month
Animated breakdowns by category and a six-month trajectory turn a pile of entries into a story you can actually act on.
- Category mix, top merchants & trends
- Export to CSV or share a read-only link
- Groceries 34%
- Rent 30%
- Dining 20%
- Travel 16%
Quietly powerful, everywhere
Recurring & scheduled
Set a bill once — it posts itself every month.
Shareable report links
Send a read-only snapshot, no account needed.
10 major currencies
Per-ledger currency — home in USD, the shared pot in ₹.
Budgets that pace
Per-category caps with live month pacing.
Receipts, kept
Attach a photo, search by merchant later.
Built for households
Invite by email or link — everyone in sync.
Your ledger is one tap away
Free to start, no card required. Bring your household, your shared bills, and your secrets.
Free to start. Everything included.
Everything you need is free — including AI receipt scanning with a monthly token allowance. No trial, no card, no expiry. Paid plans add higher AI limits and premium extras; join a waitlist to be first (and get an early-bird deal).
Start tracking — no card needed.
- Unlimited manual expenses & splits
- A taste of AI: ~5 scans/quick-adds a month
- Scan up to 3 files at once
- 1 ledger
- Budgets & spending charts
- Settle-up calculator
- Multi-currency support
- Data export anytime
Coming soon
For regular trackers & small groups.
- Everything in Free
- 300 AI tokens / month (scan, quick-add & voice)
- Voice expense logging — speak to log, AI fills the rest
- Batch-scan up to 10 files
- Advanced reports + scheduled exports
Coming soon
Power users — highest limits, everything on.
- Everything in Pro
- 1,000 AI tokens / month
- Batch-scan up to 25 files
- End-to-end encrypted private entries
- Highest limits & priority support
The expense tracker built for real life
Snugtab is a free shared expense tracker designed for households, couples, roommates, and travel groups who want a calm, private place to manage money together. Unlike complicated finance apps, Snugtab focuses on one thing: making it easy to record what you spend, divide costs fairly, and settle up without awkward conversations.
Whether you’re tracking a house renovation budget, splitting monthly rent and utilities with flatmates, managing a family vacation fund, or keeping tabs on a group trip — Snugtab gives every member a clear view of the shared ledger in real time.
Split bills fairly, settle up fast
Add a shared expense once and Snugtab divides it across everyone who owes a share — equally, by ratio, or by custom amounts. When it’s time to settle, the app calculates the fewest possible bank transfers so everyone can pay back what they owe in minutes. No spreadsheets. No chasing.
Budget tracking that actually helps
Set monthly spending caps by category — groceries, dining out, transport, subscriptions — and get a live budget meter as you log each purchase. Monthly trend charts reveal patterns across six months so you can spot where your money actually goes and adjust before the month ends.
AI-powered expense logging
Snap a photo of your receipt and the AI receipt scanner reads the total, date and merchant automatically. Or type an expense in plain English and the AI assistant parses it into a structured entry, assigns a category and splits it across your group — all in seconds.
Questions, answered
Is Snugtab free to use?
Yes. Snugtab is a free shared expense tracker — you can create a ledger, invite your household, track spending, split bills and settle up at no cost. Optional Pro and Max plans add higher AI receipt-scanning limits, encrypted private entries and advanced reports.
How do I split bills with roommates or friends?
Add a shared expense once and Snugtab divides it across everyone who owes a share — equally, by ratio, or by custom amounts. When it is time to settle, it calculates the fewest bank transfers so everyone pays back what they owe in minutes.
Can I track shared expenses with my partner?
Absolutely. Couples use Snugtab to manage joint spending, set monthly budgets, and keep some entries private. Everyone in the ledger sees the same numbers in real time, so there are no awkward money conversations.
Does Snugtab work for group trips and travel?
Yes. Create a ledger for the trip, add each person, and log shared costs as you go. At the end Snugtab settles up the whole group with the minimum number of payments.
How does the AI receipt scanner work?
Snap a photo of a receipt and Snugtab’s AI reads each line item, amount, date and merchant automatically, then turns them into ready-to-save entries. Your image is used only to read the details and is never stored.
Is my financial data private and secure?
Yes. Snugtab is served over HTTPS, never sells your data, and lets you encrypt individual private entries with a key derived from your password — so only you can read them. Scanned receipt images are never stored.
How is Snugtab different from other bill-splitting apps?
Snugtab combines bill splitting, budget tracking, AI receipt scanning and a shared activity feed in one calm, private app — with no ads and without selling your data. It runs in any browser on any device, with nothing to install.