Money between friends, minus the awkwardness

Who owes you? Now you know.

Track what you lent and what you borrowed, split the bill with the group, and send a reminder on WhatsApp in one tap. No spreadsheet, no awkward text.

Free to start · iOS and Android

Quem Deve home screen showing how much people owe you and how much you owe
Scroll to explore

A tour of the app

Home screen with the totals for the month
List of saved people
List of transactions for the month
Person detail with chart and summary
Payment reminder ready to send on WhatsApp
Screen for splitting an amount between several people
Transaction details screen

The problem

Lending is easy. Remembering to ask for it back isn't.

Youcoverthepizzaforeveryone,payforsomeone'sride,lendafriendcashinatightspot.Aweeklaternobodyrememberstheamount—andyoufeelweirdbringingitup.

01

It slips your mind

That was three nights out ago. Was it $30 or $50? Nobody has any idea.

02

The ask gets stuck

You rewrite the message five times, decide it sounds cold, and never send it.

03

The spreadsheet dies

Every group has tried one. Nobody updates it past week two.

Quem Deve fixes all three.

How it actually works

Everything you need, across four screens.

Scroll through the whole flow, from the monthly total to the reminder you send.

01

See the whole month at a glance

Two numbers up top: what you're owed and what you owe. Move between months and see who owes you in that period, with overdue debts already flagged.

Home screen with the They owe me and I owe totals
02

Everyone in one place

Everybody you trade money with lives in a single list, each with their balance always in view. Search by name and jump straight to the person.

List of people with each balance
03

The full history

Filter by owed to you or owed by you, and go transaction by transaction with date, status and amount. No more doing it from memory.

List of transactions grouped by date
04

Ask without the awkwardness

The app writes the message with the amount, the breakdown and your payment key. Check the preview and open WhatsApp with everything ready.

Preview of the reminder message with payment key and Open WhatsApp button

Features

Built for everyday, real-world bills.

The details that matter when you're splitting things with actual people.

Split the bill

Split between as many people as you like

Enter the total and share it out. Split evenly with one tap or fine-tune each person's share. Your own share counts toward the total without becoming a debt.

Screen splitting an amount between four people
Per person

A clear picture of every relationship

Open anyone to see a month-by-month chart, how much you lent, how much you borrowed and how much is already settled. You can invite them and sync your transactions.

Person detail with activity chart and summary
Instalments and subscriptions

Instalments and fixed payments, handled

Mark as paid, break it into instalments with an end date, or set a fixed payment that repeats every month — like the subscription you split with someone.

Transaction details screen with instalment and fixed payment options

How it works

From first entry to first reminder in minutes.

1

Create your account

Sign up with an email and password or with Sign in with Apple. It takes under a minute.

2

Add your people

Build the list of everyone you usually split things with. No cap on who joins the crew.

3

Log the transactions

Amount, type, description and due date. If it's a shared bill, split it across everyone on the same screen.

4

Send it on WhatsApp

Pick the person, review the message with your payment key, and send. The reminder comes out ready, in your own tone.

Pricing

Start free. Upgrade when it makes sense.

The free plan covers a small crew. Pro is for people keeping track of a lot.

Free

$0forever

Perfect for trying it out and keeping your closest bills in order.

  • Save people
  • Everyday transactions
  • Bill splitting
  • WhatsApp reminders
  • Includes ads
Get it free

Pro

Most complete

For anyone lending and splitting bills all the time.

  • Far more people and transactions
  • More instalments and fixed payments
  • Unlimited itemised reminders
  • No ads
Subscribe in the app

Free plan limits may change. The Pro price is shown in the app.

FAQ

The questions that always come up.

Yes. You can save people, log transactions, split bills and send WhatsApp reminders without paying anything. The free plan has limits and shows ads; Pro raises the limits and removes the ads.

Quem Deve app icon

Download now

Never forget who owes you again.

Download Quem Deve, log your first transaction today, and settle the next one in a single tap.

Get it free

App StoreGoogle Play

Free to start. No credit card.