KnowExpenseFree budget & expense tracker
Know where every dollar goes — and never chase a friend for money again.
KnowExpense is a free expense tracker and bill splitting app. Set budgets, scan receipts, share costs with roommates, family or friends, and settle up by e-Transfer in one tap.
- Free forever plan
- No credit card
- Set up in 60 seconds
- Delete your data anytime
Everything you need to track spending and share costs
One app for personal budgeting and shared money — so you can stop juggling spreadsheets, notes and group chats.
Budget tracking that actually sticks
Set a monthly budget per category, log spending in seconds, and watch the remaining balance update live — before you overspend, not after.
Split bills without the awkward math
Rent, groceries, a trip or a dinner tab. Split evenly, by share or by exact amount, and everyone sees who owes what.
Free receipt scanning
Snap a receipt and the merchant, line items and total are read for you. No manual typing, no paid add-on.
Settle up by e-Transfer
One tap opens a pre-filled Interac e-Transfer with the right person and amount. Mark it settled and the balance clears.
Bill reminders & recurring expenses
Rent, phone, insurance and subscriptions repeat automatically, and reminders reach you before the due date.
Njangi & savings circles
Run a rotating savings group with contributions, meetings, fines and payout rotation tracked in one shared ledger.
How KnowExpense works
Create your free account
Email or Google, no credit card and no trial timer. You are in within a minute.
Add expenses or scan a receipt
Log spending yourself, or let free receipt scanning fill in the details for you.
See your money and settle up
Budgets, categories and balances update instantly — and shared costs settle in one tap.
Built for the way people really share money
Roommates
Rent, utilities and groceries split fairly every month, with balances everyone can see.
Couples & families
One household budget, shared bills and a clear picture of what is left to spend.
Friends & trips
Track a weekend away, then settle the whole trip with the fewest possible payments.
Savings groups
Run a njangi or tontine with contributions, fines and payout rotation in one ledger.
Take KnowExpense with you
Use it now in any browser or install it to your home screen. Native apps are in review — these links go live the day they are approved.
Works today on iPhone, Android, tablet and desktop — no download required.
Frequently asked questions
Is KnowExpense really free?
Yes. Expense tracking, budgets, bill splitting, receipt scanning and reminders are free, with no expense limit and no credit card required.
Can I use it to split bills with roommates or friends?
Yes. Create a group, add the people you share costs with, and every expense is split and balanced automatically. Anyone can join with an invite code.
Does it work on my phone?
KnowExpense is a mobile-first web app you can install to your home screen and use offline. Native iOS and Android apps are on the way.
How do I settle what I owe?
Settle-up shows the smallest number of payments needed to clear all debts, and can open a pre-filled Interac e-Transfer so you pay in one tap.
Is my financial data private?
Your data belongs to you. We never sell it, groups are visible only to their members, and you can export or permanently delete your account at any time.
Start tracking your expenses today — it is free
Join in under a minute, add your first expense, and finally see where your money goes.