# iClust - Bill Split & Budget — Split group bills & budget

> AI-powered group expense splitter and personal budget tracker. (iPhone/iPad app by Chinh Nguyen Quoc.)

- Source: https://appshunter.io/ios/app/iclust-bill-split-and-budget/id6762578089 (this page in markdown: same URL + `.md`)
- Developer: [Chinh Nguyen Quoc](https://appshunter.io/developer/1522401760)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 16.0 · 113 MB
- Languages: American English, Japanese, Korean, Chinese (Simplified, China), Chinese (Traditional, Taiwan), Vietnamese
- Released: 2026-08-13
- Data updated: 2026-09-17
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/iclust-bill-split-and-budget/id6762578089/reviews.md

## What is iClust?

Clear Finances, Harmonious Relationships!

Have you ever felt exhausted keeping track of bills, collecting receipts, and manually calculating math after a group trip, roommate expenses, or dinners with friends? Are you looking for an intuitive way to track your own monthly budget so you never have to ask "where did my money go?" again?

Say hello to Clust (iClust on iOS) – the ultimate personal budget companion and group expense splitter.

Clust is designed to transform the way you manage money. Combining a flexible group expense sharing system with a smart AI financial assistant, Clust takes the stress out of budgeting so you can focus on enjoying life.

KEY FEATURES:

1. EFFORTLESS GROUP BILL SPLITTING (CLUSTERS)
* Set up a shared group (for roommates, couples, trips, or events) in just 3 seconds.
* Super flexible splitting options: Split evenly, by percentages (%), by shares, or enter custom exact amounts for each member.
* Smart debt minimization: Clust automatically recalculates cross-debts to show exactly who owes whom, reducing the number of transactions needed to settle up.

2. SMART AI RECEIPT SCANNER & COMPOSE
* Stop manual entry! Simply snap a photo of any receipt or write a quick sentence.
* Our advanced AI Gateway (powered by Gemini) instantly extracts the merchant, date, amount, and automatically categorizes the transaction with high accuracy.
* Batch OCR support allows you to process multiple receipts simultaneously, saving you precious time.

3. "IOS HEALTH"-STYLE PERSONAL FINANCE (SOLO MODE)
* A beautifully clean personal expense tracker inspired by the fluid iOS Health interface.
* Intuitive category donut charts showing where your money goes.
* Track spending trends, daily averages, top merchants, and upcoming recurring bills/subscriptions.

4. SMART MONTHLY BUDGETING
* Set customized budget targets for personal files or individual groups.
* Real-time monitoring helps you prevent overspending before it even happens.

5. MULTI-CURRENCY SUPPORT FOR TRAVELERS
* Log expenses in any currency during international trips.
* Automatic currency conversion keeps your records consistent and stress-free.

6. STUNNING LIQUID GLASS INTERFACE
* Premium glassmorphism design with smooth animations and transitions.
* Fully optimized Light and Dark modes for a comfortable visual experience day or night.

7. SECURE & SYNCED
* Instant cloud synchronization combined with secure offline storage on your device.
* Real-time push notifications keep everyone updated immediately when a new bill is added.

Download Clust today and step into the future of financial freedom, powered by smart AI!

## Key features

- Effortless group bill splitting
- Smart AI receipt scanner
- Personal finance tracking
- Monthly budgeting
- Multi-currency support
- Secure cloud synchronization

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/iclust-bill-split-and-budget/id6762578089/reviews.md

### 5/5 — 旅行や割り勘が圧倒的にラクになりました！

*2026-08-17*

友達との旅行やイベントの立替・割り勘用に使い始めましたが、本当に便利です！
誰がいくら払ったのか、最終的に誰が誰にいくら精算すればいいのかが一目で分かります。グラフで見やすくまとめられるので、後から見返すのも楽しいです。
デザインも綺麗で動作が軽く、ストレスなく使えています。グループでの支出管理には欠かせない神アプリです！

### 5/5 — すごい便利アプリ

*2026-08-17*

家計を簡単に管理できるツール

## Frequently asked questions about iClust

### How does iClust help with group expenses?

iClust allows you to create shared groups for trips, roommates, or events. You can split bills evenly, by percentage, shares, or custom amounts, and the app minimizes cross-debts to simplify settlement.

### Can iClust scan receipts?

Yes, iClust features a smart AI receipt scanner that extracts merchant, date, amount, and categorizes transactions automatically from photos or text descriptions. It also supports batch OCR for multiple receipts.

### What personal finance features does iClust offer?

iClust provides an 'iOS Health'-style personal expense tracker with intuitive category donut charts, spending trend analysis, daily averages, and tracking for recurring bills and subscriptions.

### Does iClust support multiple currencies?

Yes, iClust supports multi-currency for travelers, allowing you to log expenses in any currency and automatically converting them to keep your records consistent and stress-free.

### Is iClust secure?

iClust offers instant cloud synchronization combined with secure offline storage on your device. Real-time push notifications ensure everyone stays updated on new bill additions.

### Does iClust have ads?

Yes, iClust contains advertisements, which is common for free finance applications that offer in-app purchases.

### What devices is iClust available on?

iClust is available on iPhone and iPad devices, indicated by its supported devices list.

### How often is iClust updated?

The latest version of iClust is 1.0.45, and it was last updated on September 7, 2026, suggesting regular updates to improve functionality and user experience.

## Version history (last 4 releases)

### 1.0.45 — 2026-09-07

• Added automated email notifications for loan & debt tracking to keep counterparties updated.
• Improved AI receipt and expense text parsing for faster transaction logging.
• Enhanced PayPay import experience and stability.
• General performance improvements and bug fixes.

### 1.0.44 — 2026-08-28

• Added PayPay transaction and receipt import to quickly log shared expenses.
• Enhanced cluster bill settlement and group category selection.
• Improved ad display experience and subscription stability.
• General performance improvements and localization updates.

### 1.0.43 — 2026-08-17

What's new in version 1.0.42 (Build 57):

Premium Subscription Improvements:
- Added clear details and information regarding the benefits of upgrading to our Ad-Free Premium plan.

Solo Mode Optimizations:
- Refined the onboarding screens for users managing expenses individually.
- Enhanced the readability and visual layout of expense report details.

Localization & Privacy Upgrades:
- System permission requests (camera, photo library) are now properly translated to match your device's active language.
- Updated and polished translations across Vietnamese, English, and other supported languages.

Bug Fixes & Reliability:
- Addressed minor data synchronization bugs and optimized AI receipt processing speed.

### 1.0.42 — 2026-08-14

No release notes.

## More apps by Chinh Nguyen Quoc

- [Validly](https://appshunter.io/ios/app/validly/id6799425678)
- [Finora Salary](https://appshunter.io/ios/app/finora-salary/id6803593164)
- [Easy Japanese - Tokyo Accent](https://appshunter.io/ios/app/easy-japanese-tokyo-accent/id6805401418)

All apps by Chinh Nguyen Quoc: https://appshunter.io/developer/1522401760

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-17.*