Defray vs moneki

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.

Splitting a bill should take ten seconds, not ten minutes of squinting at a receipt and doing sums in the group chat. Moneki reads the receipt for you. SCAN AND SPLIT Photograph the receipt. Moneki pulls out every line item, the subtotal, service charge and GST. Tap who had what — one tap per person per dish. Shared plates split automatically between whoever touched them. SPLIT HOWEVER YOU LIKE By item, evenly, or by parts when someone had two drinks and everyone else had one. Service charge and tax spread proportionally, so nobody quietly overpays. GROUPS THAT REMEMBER Make a group for a trip, a flat, or a regular dinner crowd. Share a link and people join — no accounts to chase, no app store detour for them to find you. Every expense lands in one running tab. BALANCES, NOT SPREADSHEETS Moneki always knows who owes whom and how much. Settle in full or pay part of it, and the balance updates for everyone straight away. ANY CURRENCY Spent in yen, thinking in dollars. Moneki converts at the rate on the day, keeps the original amount on the receipt, and totals the group in one currency. TWO LANGUAGES Full English and 中文. Moneki is free. You get 5 receipt scans a month at no cost, and everything else — groups, manual expenses, balances, settling up — is unlimited and always free. Unlimited Scans removes the monthly cap and all ads: • Monthly — auto-renewing subscription • Lifetime — one payment, yours forever Payment is charged to your Apple ID at confirmation of purchase. A monthly subscription renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel it any time in your Apple ID settings. Privacy Policy: https://moneki.site/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/