Product features

Personal money and shared expenses

nobakaya is a Money OS — track your own spending first, then split trips, rent, and bills with groups when money is shared. No juggling separate apps.

Personal finance

Your daily ledger — expenses, income, accounts, and budgets.

Personal expenses

Log daily spending with categories, merchants, notes, and which account paid.

Income tracking

Record salary, refunds, and other inflows alongside expenses.

Payment accounts

Track cash, bank, UPI, and cards — see balances from money in and out.

Transfers

Move money between your own accounts without double-counting.

Monthly budgets

Set category budgets and see how much is left (or over) this month.

Personal summary

Today, this month, income, and net cash flow at a glance.

Groups & bill splitting

When costs are shared with friends, roommates, or travel mates.

Group & trip tracking

A shared ledger for trips, flatmates, events, and ongoing household costs.

Bill splitting

Split equally, by exact amount, or by percentage — however the group shared the cost.

Settlement visibility

See balances clearly and settle with fewer confusing cross-payments.

Multi-currency

Useful for international travel or mixed-currency group expenses.

Reports & export

Keep a clean record when a trip ends or the month closes.

Recurring shared costs

Rent, subscriptions, and repeating bills for roommates and households.

Also included

Details that keep both personal and group workflows smooth.

Progressive Web App — install on your phone
Privacy-first core experience
Category tagging for personal and group
Settlement reminders (groups)
Fast expense logging
Personal and group analytics

Try personal and group in one account

Free to start. Log a personal expense or create a group in under a minute.

Create Free Account →