WhoPays vs Chaaq

WhoPays tells you who pays next to minimize settles. A dead-simple group expense tracker for trips and roommates: add people, tap "I paid," and balances stay near even without end-of-trip math. Why it is simpler * One action: "I paid" → pick who was included, enter amount. * Next payer banner: always shows who should pay next. * Direct pay: record reimbursements (A → B) when needed. * Multi-currency: log in any currency; rates fetched & cached; original + converted shown in group currency. * Clear history: original and converted amounts; edit or delete anytime. * Invite links: join via link (no codes); add people before they install and their expenses transfer when they join. * Member management: person details to see status, resend invites, remove members, or leave the group. * Fast sync, works offline: real-time updates with anonymous sign-in. No bank links, no clutter. * Export as PDF: statement with all transactions, balances, and a settle-up suggestion. * Notifications: know when someone adds a new expense. Perfect for * Vacations and weekend trips * Shared apartments and groceries * Clubs, teams, and casual group buys Keep it fair, keep it moving. WhoPays makes splitting effortless by telling you who pays next.

Chaaq makes shared money simple. Track expenses with friends, split bills in groups, and run transparent savings circles, all in one beautifully designed app. Whether you're splitting rent with roommates, settling up after a trip, or running a rotating savings group with family, Chaaq keeps everyone on the same page without the awkward "who owes what" conversations. SPLIT WITH ANYONE Track one-on-one balances and settle up in any currency Split equally, by percentage, by shares, or exact amounts Add receipts, notes, and payment records to every expense GROUPS FOR ANY PLAN Create a group for a trip, a shared flat, an event, or a project Add members and log expenses, and Chaaq works out who owes what automatically Simplify debts so everyone settles with the fewest payments SAVINGS CIRCLES, FULLY TRANSPARENT Start a savings circle (chit fund) with friends, family, or colleagues Collect monthly contributions and track every cycle and payment Each cycle, one member receives the pool in an order the group sets or on a set schedule Every member receives the pool exactly once, and everyone sees the same records STAY ON TOP OF EVERYTHING Reminders so no payment slips through A clear activity feed of who paid what, and when Works across currencies for friends and family anywhere Chaaq is built for clarity and trust, so money never gets in the way of your relationships.