With friends
Split expenses with friends, without the hassle
A night out, a weekend away, a birthday: as soon as there are a few of you, one person covers the groceries, another the restaurant, a third the fuel. Here is a simple way to know who owes what, without spending the evening on it.
The hard part isn't the maths
Adding numbers up has never been the problem. What trips people up is remembering, three days later, who paid for the taxi, whether brunch was for four or for six, and having to chase everyone to piece the evening back together.
The fix is a single habit: record the expense as it happens, while everyone still remembers it. The calculation can wait until the end.
How it works with Pivunio
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Create a group
Give it a name, add the participants and share the invite link. Your friends have nothing to install.
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Add expenses as you go
Amount, description, category, who paid and who it was for. A few seconds each.
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Check the balances
Pivunio shows everyone's balance and suggests the payments needed to settle up.
Three classic situations
The night out. One person books the table, another brings the drinks, a third pays for the taxi home. Three expenses with different people involved each time — exactly the kind of situation where splitting things "roughly" ends up leaving a slightly sour taste.
The weekend away. The rental is paid by one person, often well before departure. Recording it at the time of booking means it isn't forgotten when you settle up.
The holiday. Several days, lots of small expenses, and a group whose make-up changes with each activity. That's where recording as you go makes the biggest difference.
Who owes what, concretely
For each participant, Pivunio compares what they paid with what they owed. The difference is their balance: positive if they're out of pocket, negative if they owe money. All the balances always add up to zero, down to the cent.
Rather than having everyone pay everyone, Pivunio suggests the transfers needed to bring the balances back to zero. They are suggestions: you're free to arrange things differently, and the payments happen between you, outside the app.
A few rules that avoid friction
Agree from the start on what goes into the shared pot and what stays personal. A souvenir bought for yourself doesn't need splitting; a bottle for the table does.
Write a clear description rather than just an amount: "Saturday morning groceries" reads much better than an anonymous line two weeks later.
And settle up soon after the event. The longer you wait, the more paying people back becomes a topic.
Run the numbers right now
For a one-off split, without creating a group, use the expense split calculator : enter what each person paid and see immediately who pays whom back.
Frequently asked questions
Does everyone need to create an account?
No. Each person opens the invite link, enters their first name and can start straight away. You can also add someone manually if they don't use Pivunio yet: their expenses count exactly like everyone else's.
Can we split an expense that doesn't involve everyone?
Yes. When you add an expense you choose who paid and who it was for. An expense involving only three people is split between those three only.
How are cents handled?
Everything is calculated in whole cents. When an amount doesn't divide evenly, the remainder is spread person by person, so the shares always add up to exactly the expense.