All features
Groups
Groups that fit how you share
Trip, household, dinner club — Paycent groups stretch from two friends to seven roommates with sub-groups inside.
Invite by what you have
Add members by username, phone, or email. Don't have an account yet? You can hold a place for them with a ghost member and they take it over when they sign up.
Sub-groups (unions)
Inside a bigger group, treat couples or families as a single unit. Their balances roll up, so you settle once between units instead of person-by-person.
- Combine multiple members into one settlement target
- Per-union balance roll-ups
- Move members in and out as plans change
Categories and currencies per group
Set a default currency and category at group creation. Members can still add expenses in other currencies — the default just means less typing.