Bill splitting app
A bill splitting app that also budgets.
Zeteo splits a bill with friends, a partner or roommates, keeps a running ledger of who owes who, and works out a short list of payments that settles the group. Your own budget sits in the same app, so it counts only your share.
How splitting a bill works
Add the expense to a group
Make a group for a home, a trip or a single dinner. Invite people by name, username or email. Joining a group is always free.
Split it your way
Split equally, by shares, by percent, by exact amounts, or by adjustment.
Settle up
Zeteo shows who owes who as a short list of payments. Pay through PayPal, Venmo, Cash App, Zelle, Interac e-Transfer, Wise or Revolut. Zeteo opens that app or copies your details. Zeteo never moves money.
What you get
- Splitting is always free, on every plan.
- Unlimited groups to create or join.
- A running who-owes-who ledger, with your net position on top.
- Comments on any group expense.
- A friendly reminder to whoever owes you, sent as a push notification.
- Scanning a receipt needs Premium. Claiming your items on a scanned receipt is free. The receipt photo never leaves your device, and the recognised text is processed securely to itemize the bill.
- Groups can hold their own currency. Totals convert at ECB reference rates.
Questions
- What is a bill splitting app?
- A bill splitting app records who paid for a shared cost, divides it between the people involved, and tracks who owes who until everyone settles up. Zeteo does this and also keeps your personal budget.
- Is Zeteo free for splitting bills?
- Splitting is always free, on every plan. Premium is for linking your banks and the finance tools.
- Do the people I split with need Zeteo?
- To see the group ledger and settle in the app, they join the group. Joining is always free.
- Does Zeteo move money between us?
- No. Zeteo never moves money. It opens the payment app you choose, or copies your details, and you pay there.

