Split bills right in your group chat.
Roommates, a trip, a couple sharing rent. Everyone is already in a Telegram group, so that’s where the money talk should happen. Add Finpin and it keeps score of who paid and who owes.
Why split in Telegram instead of another app
Many people go looking for a Splitwise alternative after hitting the free plan’s limit on daily expenses — or after realizing half the group never installed the app. Finpin skips both problems: it works inside the chat everyone already uses.
- No sign-up for your friends: they just write in the group.
- Finpin doesn’t cap how many expenses you log per day.
- Personal spending stays in your private chat with the bot.
How it works
Add the bot to the group
The person who adds Finpin sets up the group wallet and turns on splitting.
Log shared costs
Anyone writes “groceries 84” in the chat. Finpin records who paid.
Settle up
Send /debts to see who owes whom, reduced to the fewest transfers.
Three ways to split
Equally
The default: the cost is divided between everyone in the split.
By amounts
Each person’s exact share — handy when someone ordered more.
By shares
Weights like 2:1 for a couple sharing with a friend.
Simplified debts
Finpin nets everything out, so the group makes as few transfers as possible.
Good for
- Roommates — rent, utilities and groceries in one place.
- Trips — log on the go, settle once you’re home. Group wallets can be in any currency.
- Couples — a shared budget without merging bank accounts.
Questions
Do my friends need to install anything?
No. Everyone just needs Telegram. They write expenses in the group chat as usual.
Is splitting free?
Yes. Group tracking and splitting are part of the free plan.
Can we split in a foreign currency on a trip?
Yes. Create a group wallet in the trip’s currency and log expenses in it.
Will the group see my personal expenses?
No. Personal wallets live in your private chat with the bot. The group only sees the group wallet.
How do we settle up?
Send /debts. Finpin shows who owes whom, reduced to the fewest transfers, and you mark debts as settled.
More guides
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