Question 1

What is SplitCircle and who is it designed for?

Accepted Answer

SplitCircle is a modern group expense management and bill splitting platform built for friend groups, roommates, families, travel crews, and organizations in Nepal. It allows groups to track shared expenses, calculate who owes whom without circular debts, and settle balances instantly via digital wallet QR codes.

Question 2

Is the SplitCircle Bill Splitter free to use?

Accepted Answer

Yes, 100%. Our interactive online Bill Splitter tool at /bill-splitter is free and requires no signup or download. You can calculate equal splits, itemized bills, Nepal VAT (13%), restaurant service charges (10%), and tips instantly from any mobile or desktop browser.

Question 3

Why is the full SplitCircle application invitation-only?

Accepted Answer

SplitCircle maintains an invite-only model for its persistent Circles and database features to protect user privacy, prevent spam, and maintain a high-trust community. You can request access via our Contact page, and existing circle administrators can invite trusted members directly.

Question 4

How do digital QR settlements work with eSewa, Khalti, and Fonepay?

Accepted Answer

Members can upload their eSewa ID, Khalti ID, or personal Fonepay QR code to their profile. When an expense or debt is due, SplitCircle generates a pre-filled payment screen. Payers can scan the QR code with their banking or wallet app and confirm payment in one tap.

Question 5

Can group members still settle up with physical cash?

Accepted Answer

Yes. SplitCircle supports Cash and Bank Transfer settlement records alongside eSewa, Khalti, Fonepay, and UPI. When cash is handed over in person, the payee or payer can record the settlement to instantly clear the ledger.

Question 6

What currencies does SplitCircle support?

Accepted Answer

Nepalese Rupee (NPR - रू) is the native default currency. SplitCircle also supports Indian Rupee (INR - ₹), US Dollar (USD - $), Euro (EUR - €), and British Pound (GBP - £) for international travel groups.

Question 7

How does the Greedy Cash Flow debt simplification algorithm work?

Accepted Answer

Instead of having every person pay back every individual who covered a bill, SplitCircle computes each person's net balance (total money paid minus total money owed). It then matches the biggest debtor with the biggest creditor in sequence, reducing what would be dozens of circular transfers down to at most N - 1 direct payments.

Question 8

How does SplitCircle handle restaurant taxes, VAT, and service charges?

Accepted Answer

In Nepal, restaurants typically charge 10% Service Charge followed by 13% VAT. SplitCircle allows you to split itemized receipts where tax and service charges are divided proportionally based on what each person ordered, rather than unfairly overcharging someone who only had a light snack.

Question 9

Are my private expense records or personal debts indexed by Google or publicly visible?

Accepted Answer

No, absolutely not. All authenticated application views (Dashboards, Circles, Ledgers, Profiles, Settlements) are strictly protected by authentication tokens, role-based access control (ABAC), and explicit noindex, nofollow directives. Your financial information is never crawled, indexed, or shared with third parties.

Question 10

Does SplitCircle sell personal user data or show ads?

Accepted Answer

No. SplitCircle does not sell user data, run advertising networks, or deploy invasive tracking trackers. The platform exists solely to provide reliable group expense management.

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