Create a group
Give your crew a name or start from a ready-made template.
Free on the App Store and Google Play
Splitting the bill —
Splitting the bill —
fair for everyone.
Trips, weddings, a weekend at the cabin or just a night out. Add who paid for what — the app works out who owes whom and how much. With the fewest transfers.
Free
No ads
Sign in with Telegram
18 languages
How it works
Four steps. No calculator, no notebook, no “wait, who paid for that?”
Add your friends
Drop the link in Telegram or show the QR code.
Add an expense
The amount, who paid and who’s splitting it — ten seconds, tops.
All settled
The app shows who owes whom and how much, with the fewest transfers.
The math
$64
each ($448 ÷ 7)
Paid more — gets back
Chris+$136
Dave+$16
Ryan+$6
Paid less — pays up
Jen−$54
Kevin−$51
Sarah−$34
Robin−$19
Tengma=Teng
6
transfers — done
- Jen → Chris $54
- Kevin → Chris $51
- Sarah → Chris $31
- Sarah → Dave $3
- Robin → Dave $13
- Robin → Ryan $6
Who pays whom
Free calculator →
Debts cancel each other out, leaving the fewest transfers
Example: seven friends spend a weekend at a cabin. Add who paid for what — the app splits the total equally. Those who paid more get money back, those who paid less pay up, and it’s all settled in 6 transfers.
- Chris Cabin rental $200
- Dave Groceries $80
- Ryan Texas brisket, 4 lb $70
- Robin Drinks $45
- Sarah Fresh trout $30
- Kevin San Francisco sourdough $13
- Jen Gas for the car $10
Total $448 · 7 people
$64 each
Pay
Your friend’s card and the “I paid” button — all in one place
No more texting to ask for card details: copy the number, send the money from your banking app and tap “I paid”. Your friend confirms the money arrived. Once every transfer is confirmed, the group is closed.
Pending
I paid
Confirmed
You owe Dave
$13
VISA · main
4532 1234 5678 9012
Copy
DAVE JOHNSON
Levels
For those who pay on time — from iron to a golden crown
Adding expenses, paying back on time and seeing groups through to the end earns you XP. Your badge sits next to your name — so your crew can see who’s reliable.
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Guest
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Companion
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Active
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Initiator
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Host
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Organizer
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Leader
Little things that make a big difference
Sign in with Telegram
No password, no sign-up. Tap “Yes, sign me in” in the bot — that’s it.
Link or QR
Friends join a group via a link or by scanning a QR code.
Ready-made templates
Dinner, cabin, birthday, trip, sports — each with its own categories.
18 languages, 14 currencies
Dollars, euros, pounds, lira, tenge and more. Wherever the trip takes you.
History
Closed groups and transfers are saved — look back at them any time.
Your card is protected
Card numbers are stored encrypted and shown in full only to a friend who owes you.
Free, no ads
No banners, no subscriptions, no hidden fees.
FAQ
Frequently asked
Does money go through the app?
No. Tengma=Teng only does the math and shows your friend’s card. You send the money from your own banking app, then tap “I paid”.
Does the app cost anything?
No, it’s free and ad-free.
Is my card number safe?
Card numbers are stored encrypted on the server. Others see them masked — only a friend who needs to send you money sees the full number.
Why sign in with Telegram?
No passwords to remember, no waiting for SMS codes. You tap “Yes, sign me in” in the Telegram bot once — and nobody else can sign in with your link.
How do I delete my account?
In the app: profile → Account → “Delete account”. Without the app: send /delete to the bot. Only your personal data is deleted, so the amounts in your friends’ groups stay correct.
Settle your next get-together fair and square
Download the app, create a group and send the link to your friends. It takes less than a minute.