Money, composed.
One quiet place to see what you spent, set what you can spend, and split what you share — with the people you actually share it with.
Every expense flows in, splits across your people, and settles itself.
Type to add
Quick entry parses “84.20 whole foods split with priya” into a clean expense. No nine fields.
Receipts, kept
Drop a photo, we hold it. Search by merchant later. Tax season becomes a non-event.
Fair, by default
Split shared bills equally, by share, or by exact amounts. Settle up with one tap.
Your data stays yours
We never touch your money — only the record of it. No ads, no data resale, no trackers. Ever.
Encrypted in your browser
Lock any entry on your device — only you hold the key.
Secure by design
Encrypted in transit, hardened against common attacks.
Verified changes
Sensitive changes need email confirmation — no quiet takeovers.
You control access
Decide who joins each ledger, and remove them any time.
From first expense to settled up — in one calm place
Scroll the same screens you’ll use. No setup wizard, no spreadsheets — just the moments that matter.
Type it like you’d say it
“84.20 whole foods split with priya” becomes a clean, categorised, already-split expense. No nine fields, no friction.
- Natural-language parsing for amount, merchant & split
- Snap a receipt and we hold onto it
Turn any getaway into a shared tab
Flip Trip mode on and the whole group shares one ledger for the journey. Everyone logs as they go; Snugtab keeps a running, fair tally to the last rupee.
- A focused, travel-themed shared space for the trip
- Live per-traveller totals & who-owes-whom
Flip Trip mode on — the ledger re-skins for the journey.
Some entries are yours alone
Lock any expense with end-to-end encryption. The amount and notes are sealed with a key derived from your password — not even Snugtab can read them.
- AES-256-GCM, encrypted in your session
- Zero-knowledge — the server stores only ciphertext
The fewest payments to make it even
Snugtab untangles a month of shared spending into the minimum set of transfers. One tap records the settlement and clears the slate.
- Debt-simplification across the whole group
- One-tap record, with a full settle history
- SamYou$8.00
- YouPriya$5.50
- AaravSam$12.00
- PriyaYou$9.00
- YouAarav$6.50
- SamPriya$4.00
- SSamYou+$24.50
- YouPPriya−$12.00
See where it goes, month over month
Animated breakdowns by category and a six-month trajectory turn a pile of entries into a story you can actually act on.
- Category mix, top merchants & trends
- Export to CSV or share a read-only link
- Groceries 34%
- Rent 30%
- Dining 20%
- Travel 16%
Quietly powerful, everywhere
Recurring & scheduled
Set a bill once — it posts itself every month.
Shareable report links
Send a read-only snapshot, no account needed.
Any currency
Per-ledger currency — home in USD, trip in ₹.
Budgets that pace
Per-category caps with live month pacing.
Receipts, kept
Attach a photo, search by merchant later.
Built for households
Invite by email or link — everyone in sync.
Your ledger is one tap away
Free to start, no card required. Bring your household, your trips, and your secrets.