ChitPact is the simplest way for housemates, couples, and friends to track shared expenses and settle up fairly — no spreadsheets, no awkward conversations.
Built for real-life groups — not accounting firms.
Equal split, custom amounts, or percentages — whatever makes sense for your group.
ChitPact minimises the number of transactions needed so everyone owes as few people as possible.
Photograph a receipt and ChitPact reads the total, date, and merchant automatically.
Upload your bank statement and get a full spending breakdown by category — no bank connection required.
Set rent, utilities, or subscriptions to repeat automatically — never forget to log them again.
Automated reminders so you never have to awkwardly chase someone for money.
No setup fee, no tutorial video required.
Name your group — "Our Flat", "Europe Trip", "Alex & Sam" — and invite people via link or email.
Log who paid, how much, and split it however you like. Attach a receipt photo if you want.
See exactly who owes what at a glance — simplified into the fewest possible transactions.
Record payments as you make them and watch balances clear. No more mental arithmetic.
Rent, utilities, groceries — split fairly every month without the spreadsheet.
Joint bills, date nights, subscriptions — keep things transparent and fair.
Group dinners, house shares, travel — track it all without the awkwardness.
Upload your bank statement and finally understand where your money goes.
90-day free trial on every account. No credit card required to start.
Perfect for households and friend groups.
For power users who want the full picture.
All prices are billed in the selected currency. Cancel anytime.
Subscribe now or start a 90-day free trial. No credit card required to try.
You get a full 90-day free trial — no credit card required. After the trial, Essential starts at $3 AUD / $5 USD per month, and Premium at $5 AUD / $8 USD per month. Annual and 3-year plans save you up to 44%.
No. You can invite someone via a shareable link. They see the shared expense first and only need to create an account when they want to interact.
You upload a photo of a receipt (or a PDF). ChitPact uses Azure AI Document Intelligence to extract the total, date, and merchant name and pre-fills the expense form for you.
Yes. All data is encrypted in transit and at rest, hosted in Azure Australia East. ChitPact never stores bank credentials. Statement uploads are processed and the raw file is not retained.
AUD in Phase 1. Multi-currency support with real-time FX is on the roadmap.
These features are currently in development for Australian users. Sign up to be notified when they launch.