Share costs with a partner, flatmates or friends. Settle up, and the balance flows into your own position rather than living in a separate app you have to reconcile by hand. Everyone approves what they are charged.
You are owed
₹ 4,250.00
Balances
Recent
You paid · split 4 ways · your share ₹ 1,700
Paid €72.00 · rate 1 EUR = 94.44 INR
A group carries one currency, chosen when you create it and fixed from then on. Changing it later would not convert anything; it would reinterpret every historical balance as a different unit.
Who paid, how much, and how it splits. The total is converted into the group's currency once, and then divided, never split first and converted after.
What everyone owes everyone else, netted within each currency and never across one. An unconvertible bucket is left out and named rather than folded in at the wrong scale.
A settlement is the only thing that moves money from the shared ledger into your own accounts. It counts in your balances and is deliberately kept out of your income and expense analytics.
When you pick up a ₹6,800 dinner tab for four people, ₹6,800 left your account, but you did not spend it. You spent ₹1,700 and lent the rest.
NetWorth+ records both. The full amount moves your account balance, because it really did leave. Your share is what reaches your spending analytics. Money you lent never inflates what you appear to have spent, and never disappears from your balance either.
Beach shack dinner
₹ 6,800.00
You paid the whole bill
Left your account
₹ 6,800
Your balance drops by the full amount
You actually spent
₹ 1,700
The only figure your reports use
₹ 5,100 is lent, not spent. It shows as owed to you until someone settles.
Four friends on a trip to Goa settle in rupees. One of them pays a restaurant bill from a euro card. Two different questions are being asked, and NetWorth+ answers both:
Step 1: convert the total
€72.00 → ₹6,800.00
1 EUR = 94.4444 INR · frozen at 14 Mar
Step 2: split that figure
You
1,700
Ana
1,700
Ravi
1,700
Mia
1,700
Shares sum to ₹6,800.00 exactly
Separately: your own books
€72.00 left your euro card
The social features are the part of a finance app where trust is easiest to lose, so the rules are structural rather than polite.
When a friend records that you paid for something, no row appears in your accounts. An approval lands in your Inbox instead, and your own device writes your own row once you accept.
A group entry can be removed by its author, or by the last member standing. Locking the group document alone achieves nothing while any member can delete every expense inside it one at a time.
Removing yourself removes only yourself, including for the person who created it, because creating a group is not owning one. You cannot leave while any balance with any member is still outstanding.
Owing Ana ₹50 while Ravi owes you ₹50 nets to nothing and strands both of them. Settlement is judged pair by pair, not on the total.
Show a partner a joint account without handing over control. They see a mirror, not your ledger, and both sides must agree before anything appears.
A block list is part of the product, not an afterthought, and blocked users cannot reach you through groups or requests.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.