Your money, both sides.
Personal budgets and group bills in one app. Track your own spending, split shared costs, and always know where you stand — in any currency.
Personal budget tracker
Log your own expenses in any currency, set a monthly budget, and watch your 7-day trend in real time. Custom categories, a streak counter for hitting your budget, and a clear picture of where your money actually goes.
This month
Monthly budget
$2,100
$1,511 spent · $589 left
3-month streak
Under budget every month
Groups
Create a group in any currency — dollars, euros, yen, anything. Add expenses, choose who was there, split equally or by exact amount. Everyone sees the live balance instantly.
Friends balance
See your net balance with every friend across all groups — in every currency they share with you. Mixed currencies are labelled clearly. Settle in whichever currency works.
Recurring reminders
Set a recurring rule for rent, subscriptions, or any regular expense. PeyCoIn reminds you before the due date so nothing falls through the cracks.
10 languages
English, हिन्दी, Español, Français, Português, Deutsch, Bahasa, 日本語, 简体中文, العربية — PeyCoIn speaks yours.
Free. No walls, no tricks.
PeyCoIn will never make you watch a 30-second ad before adding an expense. Never limit you to 3 expenses a day until you subscribe. Never block a feature behind a paywall. A small, quiet ad sits in your feed — you scroll past it and get on with your life.
What PeyCoIn does
A quiet banner in your feed. You scroll past it.
What we never do
Quiet. Private. Yours.
PeyCoIn is built for people who care about their data. No data sales, no spam, no surprises.
Biometric unlock
Face ID, fingerprint, or PIN. PeyCoIn never opens without you.
No data sales, ever
Your transactions are yours. We do not sell, rent, or share your data with advertisers.
No marketing spam
We only contact you about your account. No promotional blasts, no cold messages.
Transparent about ads
PeyCoIn is free and supported by subtle, non-intrusive ads. We're upfront about it — full details in our Terms.
Quick answers about PeyCoIn.
Everything you might want to know about splitting bills, tracking expenses, and how PeyCoIn keeps your money quiet.
PeyCoIn is a free expense-splitting and personal finance app. It has four core areas: Groups (split bills with friends), Personal (track your own spending with budgets and categories), Friends (see your net balance across all groups), and a Home feed that shows your financial snapshot at a glance.
Create a group, add an expense, pick who was there, and choose equal split or exact amounts. PeyCoIn calculates every balance instantly. You can also add a recurring rule so regular shared costs are never forgotten.
The Personal tab lets you log your own expenses (separate from groups), assign them to categories, set a monthly budget, and see a 7-day trend chart. A streak counter tracks how many months in a row you stayed within budget.
Yes. PeyCoIn is free. We show one small, quiet ad in your expense feed — never a popup or full-screen takeover. We never sell your data.
PeyCoIn locks with Face ID, fingerprint, or PIN. We never sell or share your personal data with advertisers. Full details are in our Privacy Policy.
Yes. Each group can be created in any currency. Your personal tracker uses your preferred currency. When you and a friend have balances in different currencies, the Friends screen shows each one labelled clearly, and you can settle in whichever currency you prefer.
PeyCoIn supports 10 languages: English, हिन्दी, Español, Français, Português, Deutsch, Bahasa Indonesia, 日本語, 简体中文, and العربية — including full right-to-left layout for Arabic.
Android users can join the beta now on Google Play. iOS is coming soon — visit pey.co.in to be notified.
Get started · pey.co.in
Two taps to a calmer money life.
Download PeyCoIn, sign in with one tap, and let the awkward money chats end tonight.
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