Chart AI vs ZenSplit

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ZenSplit — Split Expenses, Keep the Peace Going on a trip with friends? Sharing rent with flatmates? Covering a team lunch? ZenSplit tracks every shared expense and shows exactly who owes what — so no one has to chase anyone for money afterward. Create a group, add your expenses, and let ZenSplit handle the rest. WHO IS THIS FOR Friend groups on trips who want to settle everything before the journey home — without a single awkward follow-up message. Flatmates splitting rent, groceries, and utilities every month — without spreadsheets or uncomfortable reminders. Families managing shared purchases and group travel, where knowing where the money went matters as much as splitting it fairly. Office teams handling lunch runs and reimbursements, where the person who paid should not have to wait weeks to be made whole. NO SUBSCRIPTION. NO LIMITS. Every feature is available to every user from day one. No paywalls, no expense caps, no premium tiers. YOUR GROUP'S RECORDS STAY HONEST Most expense apps let any member silently edit or delete any record — including ones they did not create. ZenSplit is built differently. Every expense shows who added it and who paid for it. Only the creator, the payer, or the group admin can edit or delete a record. Group settings can only be changed by the admin. When a question comes up about a number, the answer is already in the app. WORKS WITHOUT INTERNET Add, edit, or remove expenses on a flight, a hike, or anywhere without a signal. ZenSplit saves every change locally and syncs automatically when you reconnect. Each expense shows its sync status — pending, confirmed, or failed. If a sync fails, you are told clearly with the option to retry. No silent data loss, ever. ALWAYS KNOW WHAT CHANGED Each group card shows a live badge — how many expenses were added or removed since you last opened it — and a timestamp of the last activity. Open the group and the badge clears. Your home screen shows your total balance across all groups, loaded instantly. When a group reaches zero, it is automatically labelled Settled. FEATURES Split equally, by exact amount, or by percentage. Recurring expenses for rent, utilities, and subscriptions — set the schedule once and ZenSplit adds them automatically. Built-in calculator in the amount field. Type 1200+450+80 and ZenSplit computes the total. The expression is saved on the expense so anyone in the group can verify how the number was reached. Full activity feed — every expense addition, edit, removal, and member change is logged with context. CSV export with per-member split columns. Useful for move-out reconciliations, reimbursement submissions, and personal finance tracking. Sign in with Google or email. WHAT MAKES ZENSPLIT DIFFERENT Most expense splitters solve the arithmetic. ZenSplit goes further — it shows who entered every record, protects those records from unauthorised changes, keeps working offline, and surfaces group activity without requiring you to check manually. The result is an app that works for a weekend trip and a year-long flatshare equally well, and one where the group's shared financial record stays trustworthy over time. IDEAL FOR Trips and travel, flatmates and roommates, family shared expenses, team lunches, and any group where shared money needs to be tracked fairly and transparently.