Now with UPI settle-up & Ask Dutcho

Split bills.
No drama.

Just describe an expense — “1200 dinner with Sam, I paid” — and Dutcho splits it, tracks who owes who, and lets you settle up over UPI in a tap.

iPhone & iPad on the App Store · Android via a quick guided install

Your bank & card details never touch Dutcho — you pay through your own UPI app.

Just describe an expense and Dutcho does the math Ask Dutcho who owes what, in plain words Dutcho's AI copilot flags what needs your attention Scan a receipt and split it by item AI-suggested group names in a tap

Powered by AI

The smartest way to split anything

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Just describe itAI

Type it like you'd say it — “1200 dinner with Sam.” Dutcho fills in the amount, people and split.

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Scan any receiptAI

Snap the bill — Dutcho reads each line item so you can split a shared meal item by item.

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Ask DutchoAI

“How much does Priya owe me?” Get a straight answer, in plain words.

AI money copilotAI

Dutcho spots what needs you — a friend who's owed you for weeks — and offers a gentle nudge.

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Instant group namesAI

Starting a trip crew? Dutcho suggests fun, fitting names — tap one and you're off.

Settle over UPI

Pay what you owe with a tap or a scannable QR — GPay, PhonePe, Paytm, BHIM.

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Share from WhatsApp

Forward a message straight to Dutcho and it becomes an expense in seconds.

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Groups for everything

Trips, flatmates, regular crews — clear balances, gentle reminders, no awkwardness.

Guides

Splitting money, figured out

Browse all guides →

Ready to stop chasing friends for money?

Free to download. No drama, promise.