OweFlowTrack what you owe.
Flow through settlements.
OweFlow is the expense splitting app for roommates, couples, road trips and wedding parties. It tracks who paid what, untangles the debt web, and tells you exactly who pays who — in the fewest payments possible.
Free forever for unlimited groups and expenses. No card required.
How OweFlow works
Three steps from a pile of shared receipts to a settled group.
- 1
Create a group
Start from a template — Roommates, Couples, Road Trip or Vacation — and invite people with a link.
- 2
Add expenses
Type it in or scan the receipt. Choose equal, percentage or exact splits per expense.
- 3
Settle up
OweFlow calculates the fewest transfers needed and hands you Venmo, Cash App or PayPal links.
Everything you need to settle up
Built for real shared living, not just one-off dinners.
AI receipt scanning
Snap a photo of the receipt and OweFlow reads the total, date and category, then drops it into the right group.
Debt simplification
Three IOUs collapse into one payment. OweFlow nets the group out and tells you exactly who pays who.
Spending insights
Category breakdowns, monthly trends and plain-English summaries of where the group's money actually went.
Recurring expenses
Rent, wifi and streaming post themselves on schedule so nobody has to remember to add them.
Smart reminders
Friendly nudges for outstanding balances, so chasing a debt never has to be an awkward text.
Private by design
Expenses are visible only to members of that group, enforced at the database level, not just in the UI.
Who OweFlow is for
Roommates
Rent, utilities, groceries and the shared cleaning supplies — split monthly, settled once.
Travel groups
Log flights, hotels and dinners in any currency while you travel, then square up when you land.
Couples
Keep a running two-person balance without turning every coffee into a negotiation.
Friends & events
Weddings, bachelor parties, fantasy leagues and group gifts, tracked without a group chat spreadsheet.
Frequently asked questions
- How do I split bills with roommates?
- Create a group for your household, add each roommate, then log expenses as they happen. OweFlow splits every bill equally, by percentage or by exact amounts, and keeps a running balance for each person so rent, groceries and utilities never turn into a spreadsheet.
- How does debt simplification work?
- Instead of everyone paying everyone, OweFlow nets out the whole group and calculates the smallest possible set of transfers. A tangle of six IOUs usually collapses into one or two payments.
- Is OweFlow free to use?
- Yes. Unlimited groups, expenses and settle-up calculations are free. Premium adds AI receipt scanning, recurring bills, spending insights and smart reminders.
- Can I use OweFlow for a trip with friends?
- Trips are the most common use case. Start a travel group, log expenses in any currency as you go, and run a single settle-up when you get home.
- Who can see my group's expenses?
- Only members of that group. Every group is isolated at the database level, so nobody outside your group can read your expenses or balances.