Built for every group

Your group trip has expenses in three currencies — hotel in EUR, street food in VND, flights in USD. Everyone paid different amounts. At the end, nobody knows who owes what. ccount tracks every currency separately and settles everything with one tap. Convert to any currency at settlement, or keep each currency separate.

Rent is due on the 1st. Electricity bill comes mid-month. Groceries happen randomly. Set up recurring expenses for the predictable stuff and add one-offs as they happen. Budgets keep everyone honest. Monthly reports show who spent what.

You and your partner share expenses but don't want to track who owes whom between you. Create a Financial Unit — you share one wallet in the group. When the group settles, one of you handles it. No debts between you, ever. For that one expense you want to split individually? Just toggle it for that expense.

The office lunch group has 12 people but only 6 went today. Select just the people who ate. Someone paid for the whole table? Mark them as the payer. Need to split the client dinner differently? Use percentage or exact splits. Export the report for reimbursement.

Bachelor party weekend. Some people paid for the Airbnb, others covered food, someone got the drinks. Add everyone — even those who don't have the app (they become placeholders). When the weekend's over, SmartSettle figures out the minimum payments needed.

Family reunion — 15 people across 4 families. Each family is a Financial Unit sharing one wallet. Grandma doesn't have a smartphone? Add her as a placeholder. The unit leads handle settlements for their families. Large group, simple math.