RataPay with UPI
Tap Pay. Google Pay or your UPI app opens with the amount. Rata records the payment.
Free · No ads · Private
Split expenses.
Free. No limits.
Add every bill, settle with UPI, and see who owes whom. For trips, homes, poker nights and more. No daily limit, no ads, no paywall.
Works in your phone browser
Why we built Rata
Splitting a bill is a basic feature. Some apps now limit how many expenses you add each day. Some show ads between your bills. Some charge for currency conversion. We are fed up with that. So we made Rata. Shared costs, free, for every family.
Every phone keeps a full copyYour groups work offline and do not depend on our server.
Export any timeDownload a group as a CSV file. Your data stays yours.
Encrypted before it syncsThe key is in your invite link. Our server keeps only encrypted text.
No ads, no trackingWe do not sell data and we do not show ads.
No paywall
What some free plans limit.
Free in Rata.
Feature
Typical free plan
Rata
Expenses each day
Limit
No limit
Ads
Yes
None
Currency conversion
Paid
Free
Charts by category
Paid
Free
Default split for a group
Paid
Free
Checked 30 October 2026. Plans change. Compare Rata and Splitwise, feature by feature
All of it, free
Everything a group needs.
30+ currencies
Add a bill in baht or euro. Totals use the daily ECB rates.
Every split
Equally, by amount, by percent or by shares. More than one payer.
Insights
See where the money goes, each month and each category.
Works offline
Add expenses with no signal. Rata syncs when you are back online.
Bring your groups
Import a CSV export from another app. The balances stay the same.
One app, every group
The screen changes with the group.
Home
Rent and bills that repeat each month.
Rent ₹24,000 · monthlyTrip
Count a family as one unit. Keep a shared kitty.
2 families · kitty ₹20,000Poker
Buy-ins, cash-outs, a chip check and a season table.
Chips in = chips outParty
The host pays for all, or everyone splits.
Host paysGift pool
Collect for one gift. See who paid in.
₹6,000 of ₹8,000Private by design
We cannot read your expenses.
Your phone encrypts each expense before it syncs. The key is in the invite link, and the link never comes to our server. We do not sell data and we do not show ads.
Your phone
Dinner ₹3,240
Our server
9f2c a71e 04bd
Priya's phone
Dinner ₹3,240
Where Rata is going
From who owes whom
to what you really spent.
On your card
₹4,000
Dinner for 4
Your share₹1,000
Owed to you₹3,000
A card app counts ₹4,000 of spend. A split app counts only the ₹3,000 that friends owe. Your real spend is ₹1,000. Rata will join the two records, so your numbers are true.
- NowShared costs
Groups, every split, UPI pay, group types and Insights. All free.
- NextMy money
Your own spending and card statements, in a private layer that stays on your phone.
- LaterThe whole picture
Net worth and investments. Ask questions in plain words with the AI tool you already use. We never ask for an API key.
Questions
Common questions
Is there a free alternative to Splitwise?
Yes. Rata is a free app to split expenses with family and friends. It has no daily limit on expenses and no ads, and currency conversion and charts are free.
Is Rata really free?
Yes. All features to share costs are free, with no limits. Rata runs on a free hosting plan and your phone does most of the work, so it costs very little to run. Later, an optional low-cost Private plan will add bill scanning.
Can I move my groups from Splitwise to Rata?
Yes. Export a group as a CSV file from Splitwise. In Rata, tap New group, then the import button, and pick the file. Rata keeps each expense and payment, and checks that the balances match.
Does Rata work with Google Pay and UPI?
Yes. Add your UPI ID once. When you tap Pay, Google Pay or your UPI app opens with the amount. Rata does not touch the money.
Can Rata read my expenses?
No. Your phone encrypts each group before it syncs. The key is in the invite link, and our server never gets it.
Does Rata work offline and in other currencies?
Yes. You can add expenses with no signal, and Rata syncs later. Trips can use more than 30 currencies, and totals use the daily rates from the European Central Bank.
Is there an app for Android and iPhone?
Rata works in any phone browser, and you can install it from the browser. The Android app comes to Google Play soon, and the iPhone app after that.