Mushrook vs Setto

Mushrook makes sharing costs with friends simple and fair — built in Saudi Arabia, in Arabic and English and many other languages, for the way we actually split things. ADD AN EXPENSE IN SECONDS • Type the amount, pick who paid, choose how to split — equally, by exact amounts, by percentage, by shares, or item by item. • Scan a Saudi tax invoice (ZATCA QR) and the store, total and date fill in by themselves. • Snap any receipt and Mushrook reads the line items, so each person pays only for what they had. GROUPS FOR EVERYTHING • Trips, shared flats, family gatherings, office lunches — each group keeps its own balance, cover and currency. • A shared to-do list for planning: who books the chalet, who brings the charcoal. • Insights by category, by day and by person. KNOW WHO OWES WHOM • One clear number: what you owe, or what you are owed. • Smart payments settle a whole group with the fewest transfers. • Every expense shows whether it has been settled. SETTLE UP THE WAY WE ACTUALLY DO • Add your bank details once; friends see your IBAN when it is time to pay you. • Send a settle-up summary on WhatsApp — it includes the bank details of whoever is receiving the money. • Record the payment and balances update for everyone instantly. EVERY CURRENCY • 50 currencies with live exchange rates, including the official Saudi Riyal symbol. • Travelling? Record the dinner in dirhams or lira and the group still balances in riyals. PRIVATE BY DESIGN • Your data is hosted in Saudi Arabia. • Only the people in a group can see it. No ads. We never sell your data. • Sign in with Google, Apple, or email. Delete your account any time from inside the app. 10 languages: Arabic, English, Urdu, Hindi, Bengali, Indonesian, Filipino, Turkish, French and Spanish. Sharing is caring! — كل مشروك، مبروك

Split expenses with friends, roommates, and travel groups — without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO • Apple Watch: log expenses and check balances from your wrist • Split any way: equal, percentage, exact amounts, or custom shares • Smart debt simplification across all your groups • AI entry: type naturally or use voice (“dinner 40 with Sam”) • On-device receipt scan — merchant and amount, privately on your phone • Nudge friends politely when something’s still open • Real-time activity feed for expenses, edits, and settlements • Cross-group balances so you always know the full picture • Offline-ready — add and view expenses, sync when you’re back • Reports: monthly charts, categories, PDF/CSV export • Trip mode: budgets, default splits, multi-currency • Recurring expenses for rent, subscriptions, and regular bills • Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.