Defray vs Call It Even

Defray splits bills between friends, flatmates and travel groups, and it's free. No ads, no subscription, no "upgrade to add more than three expenses today". Nothing is locked behind a paywall. Only you need the app. Send your group a link and everyone else can open it in any browser to see what they owe and add what they paid. No download, no account, no password. ON A TRIP Five of you in Lisbon. Daniel pays 210€ for the farewell dinner, you buy the tram tickets, Lena pays for the gin at the duty-free in pounds. Everyone adds what they paid, from the app or from the link. Defray keeps a running balance for each person, converts the pounds at the live rate, and at the end works out the fewest transfers that square everyone up. No signal on the ferry? Add the expense anyway. It's saved on your phone and syncs as soon as you're back online. AT HOME Rent, electricity, internet, the cleaner every two weeks. Set each one up once as a recurring expense and Defray adds it on the right day, split the way you chose. WHAT YOU GET Splitting: equally, by exact amounts, by percentage or by shares. Add an extra on top for one person when someone ordered the lobster. Currencies: mix currencies in one group, use live exchange rates or type your own, and convert what someone owes in one tap. Settling up: who owes whom across all your groups, debt simplification, and payments you sent or received. Receipts: attach photos or videos to any expense. Categories: picked from the title as you type, or make your own. Guests: add people who don't use Defray and keep track of their share. They can claim an account later and keep their history. Chat: a group chat in every group, plus direct messages, with photos, voice messages, @mentions and reactions. Planning: shared notes and checklists, pinned places on a map, the weather where you're going, a shared calendar with reminders, and a photo wall. Stats: spending by category, by person and by month. Personal expenses: log your own spending with no group at all. Notifications when someone adds an expense or pays you back. If you've been tracking who owes what in a notes app, a spreadsheet or the group chat, Defray replaces all three. Good for holidays and weekends away, shared flats, couples, festivals, stag and hen dos, team lunches, and anything else where money goes into one pot and comes out unevenly.

Split the bill, not the friendship. Call It Even is the free, no-nonsense way to split expenses with friends, roommates, and travelers. Track who owes who in real time, split any bill fairly, and settle up in a tap — no spreadsheets, no awkward "you still owe me" texts. It's a ledger, not a bank: Call It Even keeps the score so you and your friends can pay each other however you already do. No bank login, no card on file, no fees — ever. SCAN ANY RECEIPT Snap a photo and every line item is read for you. Drag each dish to whoever had it, and the tax and tip split in proportion to what each person actually ordered — down to the cent. Never divided blindly again. SPLIT IN SECONDS Add an expense, split it equally or by exact amounts, and pick exactly who's in. Balances update instantly, so who-owes-who is never a mystery. RENT AND BILLS ON AUTOPILOT Set up rent, subscriptions, and shared bills once. Call It Even posts them on schedule and notifies everyone in the split — weekly, monthly, or yearly. Pause, skip, or set a one-off amount anytime. GROUPS FOR TRIPS AND HOUSEHOLDS Keep every shared cost for a weekend away or the apartment in one place, with a clear per-member breakdown. Bring along a partner or friend who isn't on the app yet as a guest — their share still adds up. EVERY CURRENCY, NO GUESSWORK Traveling? Track each expense in its own currency, with a separate balance per currency. Call It Even never invents an exchange rate — so the numbers stay honest. SHARE WITH ANYONE Send a read-only link to any group or expense. Friends open it in a browser and see the split — no account, no download needed. ADD FRIENDS THE EASY WAY Connect by phone number, QR code, or your contacts — or invite someone who hasn't joined yet and they'll auto-connect when they do. Everyone's contact details stay private and masked. SETTLE UP SIMPLY Record a payback — cash, Venmo, Zelle, PayPal, bank transfer, whatever you use — and the balance resets to zero. A clean history means the math is never in question. PRIVATE BY DESIGN We never ask for bank or card details, never sell your data, and you can export or delete your account anytime. FREE FOREVER No subscription. No per-expense fees. No premium paywall on the features that matter. Really. Also works in any browser at app.calliteven.app, in sync with your iPhone. Split fair. Settle up. Stay friends.