--- title: Waves — split, track and settle together description: Waves helps you split, track and settle shared expenses with friends, family and roommates. Scan receipts, add expenses by voice and keep going offline. Free to get started, no credit card required. url: https://wavs.co.in/en language: en --- # Waves — Split, track and settle together Waves helps you manage shared expenses with friends, family or anyone. Simple, beautiful and built for real life. - New accounts get 15 days of Pro free - No credit card required - Works offline ## What Waves does - **Scan bills** — Add expenses in seconds - **Split with anyone** — Friends, family or roommates - **Track spending** — See where your money goes - **Manage groups** — Trips, home, dining and more - **Your data stays yours** — Private, secure and never sold ## Three simple steps From an expense to a settled balance, in less than a minute. 1. **Add an expense** — Type it, scan a receipt or just say it. 2. **Split with people** — Choose who paid and how to split. 3. **Track and settle** — See balances and settle up anytime. ## Simple. Clear. Beautiful. See expenses, balances and settlements at a glance — across all your groups. ## Works for all your moments - **Trips & vacations** — Keep everyone's travel expenses in one place. - **Dining out** — Split bills with friends easily. - **Home & roommates** — Track shared household expenses. - **Personal finance** — Keep your own spending in view too. ## No signal? Keep splitting. Every expense is saved on your phone first, so Waves never waits for the network. Add it, see it, carry on. When you are back online, it syncs by itself and everyone’s balance catches up. - **On a flight** — Split the snacks and the cab to the airport before you land. - **A mountain homestay** — Log dinner and firewood where the signal ends. - **A basement café** — Add the bill at the table, not later from memory. - Saved on your phone first, then sent in order. Nothing is dropped, and a retry never counts twice. - If the server refuses a change, it stays on your screen with Try again or Discard. - Receipt photos wait in a queue and upload when you are online. - Choose to sync on Wi‑Fi only, mobile data, or both. Voice works offline too. Download a speech language once in Offline voice settings and the mic works with no connection. Basic voice runs on your phone; whether a language is available offline depends on your phone’s speech service. ## Just say it. Waves does the rest. Hold the mic and speak the way you talk. Waves works out the amount, who paid and who it is split with, then shows it as a card for you to confirm. Speak in English, Hindi, Tamil or Arabic, or mix them. - “Dinner 1,200 split with Ravi and Priya” → Dinner ₹1,200, You paid, 3 people · ₹400 each - “Ravi ne 300 diye chai ke liye” → Chai ₹300, Ravi paid, Split equally - “டாக்ஸி 480 ரூபாய், ரவி கொடுத்தார், எல்லோரும் சமமாகப் பிரி” → Taxi ₹480, Ravi paid, Goa Trip · 4 people · ₹120 each - “عشاء 450 درهم، دفعت أنا، قسّم مع سارة” → Dinner AED 450, You paid, 2 people · AED 225 each - “Groceries 850, I paid, split with flat” → Groceries ₹850, You paid, Flat 4B · 5 people · ₹170 each - “कॉफ़ी 180, सिर्फ़ मेरे लिए” → Coffee ₹180, Personal expense, Not split - You see what it heard and confirm before anything is saved. - Names are matched to your groups and members. If a name fits nobody, it asks. - Other currencies work too: say “40 dirhams” and it keeps the amount in that currency. - Basic voice runs on your phone for everyone, even offline. AI voice on every plan, with more commands on Pro. ## On your wrist and your home screen Add an expense without taking your phone out. Speak or dial it on your watch, or tap a Waves widget on your home screen to jump straight into adding one. The watch hands everything to your phone, so your ledger stays in one place. Apple Watch (Available) · iPhone widgets (Available) · Android widgets (Available) · Wear OS (Coming soon) - **Say it to your wrist** (Watch) — Open Speak and say “Auto 120”. The watch sends the clip to your phone and shows “Added ₹120 · Auto”. It lands in your captures, ready to put in a group. - **Dial it in** (Watch) — No time to talk? Turn the Digital Crown to the amount and tap Add. On Wear OS you use plus and minus buttons. - **See what you just added** (Watch) — Recent lists your latest expenses with the amount and when, right on the watch. - **Start from the home screen** (Widgets) — Tap Food on the “What did you spend on?” widget and quick add opens with Food already chosen. The mic and photo buttons jump straight to voice and receipt photos. - The watch only sends and shows. Every expense is written by your phone, through the same offline queue as the app. - Out of reach of your phone? The watch says “Queued” and adds it when your phone is near. - A voice add that needs a decision, like a split or someone else paying, is saved for review instead of guessed. - The widgets are shortcuts. They do not show balances, and they work with the app’s own screens. Wear OS is on its way and not released yet. ## Simple pricing for real people ### Free — ₹0 Everything that matters, forever - Unlimited people, expenses, currencies and splits - Settle up is unlimited - Watch a short ad for 6 credits; hold up to 30 - AI voice 1 credit · receipt scan 2 · export 6 · extra group 6 (first group free) ### Pro (Recommended) — ₹79/month · ₹699/year Everything you need - No ads - 100 AI voice commands a month - 300 receipt scans a month - Use on up to 3 devices Save up to 26% Free is ad-supported: watch a short ad whenever you like and each one gives 6 credits (hold up to 30). AI voice costs 1 credit, a receipt scan 2, an export 6 and an extra group 6; your first group is free. People, expenses, currencies, splits and settling up are unlimited, with no card at sign-up. Pro has no ads. Prices shown are for India. In other countries the app store shows your local price. Subscribe from inside the app. New accounts get 15 days of Pro free, no card needed. ## Private, secure and never sold. Your data belongs to you. We never sell your data. Free is ad-supported: you choose to watch a short ad for credits, and ads never appear on your money screens. Pro has none. - Private by default - Encrypted on your device - You own your data Learn more: https://wavs.co.in/en/privacy ## Ask your assistant. Waves keeps the books. Waves speaks MCP, the open standard that lets AI assistants work with the apps you use. Connect one, and talk to your shared ledger in plain language. - “Who owes me in Goa Trip?” → You are owed ₹2,000 in Goa Trip. - “Add ₹2,400 cab to Goa Trip, split equally” → Added Cab · ₹2,400 to Goa Trip, paid by you. - “Settle up with Arjun” → You owe Arjun ₹1,350. Recorded, and pending until Arjun confirms. Open the link to pay in your own UPI app. - “Make a group called Manali with Ravi, Priya and Meera, and give me the invite link” → Created Manali with you and 3 others. The invite link is ready to share. - “The cab was ₹2,600, not ₹2,400” → Updated Cab to ₹2,600. Each share is now ₹650, and the old version stays in the history. - “What did you change in my groups today?” → Two things today, both by your assistant. - You approve each connection with a Waves sign-in. - It sees only your own groups, as the app does. - It can never move money. Paying stays in your bank app. - Disconnect from your assistant whenever you like. MCP: https://app.wavs.co.in/api/mcp Set it up: https://wavs.co.in/en/mcp ## Frequently asked questions ### Is Waves really free? Yes. People, expenses, currencies, splits, offline use and settling up are unlimited on the free plan, and your first group is free. A few things cost credits, which you earn by watching a short ad. The free plan never expires, and new accounts also get 15 days of Pro free, with no card needed. ### What does Pro add? Pro has no ads and adds 100 AI voice commands and 300 receipt scans a month, with use on up to 3 devices. In India Pro is ₹79 a month or ₹699 a year; other countries are priced in the app store. ### Does everyone need to install the app? No. Share a link or a QR code and people can join and see the group in a browser, with no account and no download. They can create an account later if they want the app, and the ledger follows them. ### What do you do with my data? As little as we can. The ledger on your device is encrypted at rest, receipt photos can stay on your device or in your own cloud storage, and we never sell data. Free is ad-supported: you choose to watch a short ad for credits, never on your money screens; Pro has none. The shared ledger is on our server because that is what lets several phones agree — it is not end-to-end encrypted, and we would rather say so plainly. ### Does Waves show ads? On Free, yes: the way to earn credits is to watch a short ad, which gives you 6 credits (you can hold up to 30). Credits pay for AI voice (1 credit), receipt scans (2), exports (6) and extra groups (6; your first group is free). Nothing is forced, and ads never appear on balances, groups, expenses or settling up. They are non-personalized and we do not track you across apps. Pro has no ads at all. ### Can I import or export my data? Yes. You can export your ledger from the app; on Free an export costs 6 credits. Your data is yours to take with you. ### Can I add expenses by voice? Yes. On Free an AI voice command costs 1 credit. Pro has no ads and includes 100 AI voice commands a month. ### What happens when I have no signal? Adding, editing and splitting keep working. Waves writes every expense to your phone first, so none of it needs the network. When you reconnect it syncs in the background and reconciles anything that changed while you were away. ### Does Waves work with more than one currency? Yes. Every amount is stored in the currency it was spent in, as whole minor units rather than as a decimal, so nothing drifts. You can fix the exchange rate you actually got for one bill, for one person, or for a whole trip, and every ISO 4217 currency is supported. ### Does Waves move money? No, and that is deliberate. Waves works out who pays whom and how much, then hands that to a payment app you already use — a bank transfer, UPI, Pix, SEPA, PayNow, Venmo, PayPal or cash. Your money never passes through us, and Waves is not a bank. ### Where can I use it? Waves is not tied to a payment network or a banking licence, so there is nothing to roll out country by country — you can use it wherever you can install the app or open the web app. UPI settle-up is built for India, and other payment apps work the same way: Waves hands over the amount and you pay. ### Which languages does it speak? English, Hindi, Tamil and Arabic, with Arabic laid out right to left. --- A simpler way to split, track and settle money with the people you care about. Waves is not a bank and never holds your money. Web app: https://app.wavs.co.in · Contact: hello@wavs.co.in