Frequently asked questions

nobakaya is a free Money OS for personal and shared finances. Track your own expenses, income, accounts, and budgets — and use groups to split trips, rent, and bills with friends or roommates.

No. Personal finance is a core part of nobakaya. Use Personal for daily spending; use Groups when costs are shared with others.

Yes. The core personal and group workflows are free — log expenses, track balances, set category budgets, and settle groups without a paid plan.

No download required. nobakaya runs in your browser and can be installed as a PWA on your phone for quick access and offline logging.

Expenses, income, transfers between your accounts, payment accounts (cash, bank, UPI, cards), and monthly category budgets — with a summary for today, this month, and net cash flow.

Not yet as automatic bank sync. You record transactions in nobakaya to see balances and budgets; actual payments still happen via UPI, bank transfer, or cash.

Yes. Set budgets per category and see how much you have left (or if you are over) during the month.

They live in separate workspaces. Personal is your own ledger; groups are shared ledgers for trips, flatmates, or friends. You can use both without mixing them up.

Create a group, log an expense, pick who paid and who shared the cost, then choose equal, exact amount, or percentage split. Balances update automatically.

Yes. Set a group currency for trips or mixed-currency expenses and keep totals clear for international groups.

As a PWA, you can log expenses offline. Changes sync when you are back online.

Yes. Tag group expenses by category and review breakdowns in group analytics.

nobakaya calculates net balances and suggests the minimum number of payments so the group can settle without endless back-and-forth transfers.

No. nobakaya shows who owes whom — you pay via UPI, bank transfer, or cash, then mark settlements in the app.

Yes. Log partial settlements and the remaining balance updates for everyone in the group.

Your personal workspace is private to your account. Group expenses are visible only to members of that group. We do not sell your data or show ads in the core experience.

Go to Settings and delete your account. This permanently removes your data from our servers.

nobakaya combines personal expense tracking with group splitting in one product, with a free core plan and a web-first PWA. See our comparison page for details.

If you want personal budgets plus group splits in one free app, nobakaya fits well. If you only need group splits with deep native integrations, compare both for your habits.