Track personal spends without mixing them into group bills
Group chats are the wrong place for Netflix, Swiggy, and fuel. Those are your spends. Dumping them into a flat group makes everyone else’s balance wrong.
NestSplit keeps personal expenses on your side. Log them when you want a simple record. Shared rent and trips stay in groups. Udhaar stays as money you lent. The three do not collide.
What belongs in personal tracking
Anything only you paid for, and that nobody else should split. If a friend should repay you, that is udhaar. If the house should split it, that is a group expense.
- Subscriptions and memberships
- Food delivery and eating out alone
- Fuel, metro, and personal travel
- Shopping that is not for the house
One app for shared and personal money
You do not need a spreadsheet for yourself and a chat for the flat. Sign in with Google, use personal notes for your own rupees, and open a group only when money is shared.
Sign in with Google to create a group and start tracking.