The Splitwise alternative built for India
Everything you used Splitwise for — groups, friends, unequal splits, “who owes whom” — plus UPI settle-ups, rent and chores, and prices in rupees.
Why people switch from Splitwise to ttmm
Splitwise is great, but it was built for card payments in the US. In India the money moves over UPI, the flat has a maid and a cook, rent is split by room size and the electricity bill spikes in summer. ttmm is built around that.
- Settle on UPI in one tap. ttmm opens GPay, PhonePe, Paytm or BHIM with the right person and amount already filled in, or shows a UPI QR. No copying UPI IDs from WhatsApp.
- Rent, bills and chores on autopilot. Recurring bills (rent, WiFi, maid, cook) add themselves every month, and a chore wheel keeps the flat fair.
- Every kind of split. Equally, exact amounts, percentages, shares, adjustments, or item by item from the bill — plus multiple payers on one expense.
- Roomies don’t need the app. Add people by name or phone number. They get a link and see everything once they join, on Android or the web.
- Fair pricing in rupees. The free plan covers everyday splitting. ttmm Pro starts at ₹69 a week and ₹96 a month, with no limits and no ads.
What ttmm adds for Indian groups
| Feature | ttmm |
|---|---|
| Settle up over UPI (GPay, PhonePe, Paytm, BHIM) | ✅ one tap, or a UPI QR |
| Recurring rent, WiFi, maid & cook | ✅ adds itself monthly |
| Chore wheel for the flat | ✅ |
| Split by items, shares, %, adjustments | ✅ |
| Trips in 15 currencies | ✅ live rates |
| Android app + web app | ✅ same account |
| Pricing | Free · Pro from ₹69/week, in rupees |
Moving your group over
- Create a group in ttmm and add your roommates by name or from contacts.
- Add one expense with today’s balances (or settle up in Splitwise first and start fresh).
- Share the group link on WhatsApp — everyone sees the same tab, live.
Questions
Is ttmm really free?
Yes. Groups, friends, every kind of split, UPI settle-ups and sync are free. The free plan has a daily entry limit (3 free, plus more by watching a short ad). ttmm Pro removes the limit and the ads.
Can I use ttmm without my friends installing it?
Yes. Add them by name or number; they can join later from a link and will see all past expenses.
Does ttmm handle my money?
No. Payments happen in your own UPI app. ttmm only records what was paid, so it never holds your money.
