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The SplitCircle Architecture

How SplitCircle Simplifies Group Expenses

Eliminate chaotic spreadsheets, forgotten IOUs, and awkward payment reminders. Here is how SplitCircle keeps group finances transparent, fair, and effortless.

1

Create a Circle & Invite Your Crew

A Circle is a dedicated shared expense workspace for a specific group—such as your apartment roommates, weekend trip to Pokhara, office team lunch club, or event planning committee.

  • Set default currency (NPR, USD, EUR, INR, GBP) and budget targets.
  • Invite members via secure email link with Granular Role Access (Admin, Moderator, Member).
  • Private and isolated: non-members cannot view your circle's financial activity.
Annapurna Trek 2026NPR
Active Members: 5 Participants
Total Expenses: रू 42,500
Status: In Progress
2

Add Expenses with Itemized Split Rules

Whenever anyone pays for an expense—groceries, restaurant bills, fuel, tickets, or utility charges—they add it to the circle in seconds.

Equal Split

Divides the entire expense evenly across all or selected members.

Itemized Receipt

Assign specific dishes or items to whoever ordered them, with proportional VAT.

Exact Amounts

Specify exact rupee allocations per member (e.g. unequal rent room sizes).

Percentage Split

Divide by exact percentage ratios (e.g. 50% / 30% / 20%).

Dinner at Thamel Kitchen
Paid by Aarav:रू 3,450
Split Type:Itemized (3 members)
✓ Proportional 13% VAT automatically computed
3

Automated Debt Minimization (Greedy Cash Flow Algorithm)

In a group of 5 friends, after a dozen expenses, person A owes B, B owes C, C owes A, and D owes everyone. If people try to pay each other individually, it takes dozens of confusing, redundant transfers.

SplitCircle runs an automated Greedy Minimum Cash Flow algorithm that collapses multi-party circular debts down to at most N - 1 direct payments.

❌ Without Debt Simplification

6 separate micro-payments with circular confusion:

  • • Sita pays Bikash: रू 500
  • • Bikash pays Aarav: रू 500
  • • Aarav pays Priya: रू 300
  • • Priya pays Sita: रू 200
  • • Bikash pays Priya: रू 400
  • • Sita pays Aarav: रू 800

✅ With SplitCircle Optimization

Reduced to only 2 minimal direct settlements:

  • • Sita pays Aarav: रू 1,100
  • • Bikash pays Priya: रू 400

Everyone's net balance reaches zero in the fewest possible steps.

4

Direct QR Code Settlements (eSewa, Khalti, Fonepay)

When it's time to settle, nobody needs to ask for account numbers. SplitCircle generates immediate payment requests and QR codes for Nepal's digital wallets.

Personal QR Scanning: Store your eSewa ID, Khalti ID, or Fonepay QR in your profile. Payers can scan right on the screen.
Two-Step Settlement Verification: Payers submit payment confirmation; receivers verify receipt to keep the audit ledger strictly accurate.
Real-Time Sync: The moment a debt is marked as settled, balances across all members' phones update automatically.

Instant QR Settlement

Scan to pay via eSewa, Khalti, Fonepay, or UPI with pre-filled exact amounts.

Ready to Try SplitCircle?

Use our free interactive online calculator right now, or request an invitation to track ongoing group expenses with Circles.

Use Free Bill Splitter ToolRequest Platform Access