Settle Up, Record Payments and Remind

See who pays whom in the fewest payments, record what was paid, remind friends, and let bank SMS mark payments for you.

To settle up

A group’s Overview shows Who Paid What (each member: paid, share, gets back or owes) and To settle up: the fewest payments that clear everyone, such as Arjun to You ₹4,300. Each has Remind and Record.

Record a payment

Tap Record on a line: Who paid, Who got it and the amount are filled in from it. Choose how you got it (UPI / Bank / Card or Cash) and the date, then tap Save Payment; the balances update at once. Record at the top of the group lets you choose them yourself.

A friend’s page

Tap a friend’s card on the Split page. The total includes their splits and groups; each one is a line that opens it. Send a Reminder sends them the total with your UPI details; You Gave and You Got add udhar with them.

Rohan owes you ₹4,500 from Goa Trip, Manali Trip and two splits

The reminder message with the pending amount

Paid back by UPI? SkyloFin can mark it

When a friend pays you and your bank’s SMS arrives, SkyloFin matches it to what they owe: the same amount, and their name in the message. When it is sure, it marks it paid and tells you in a notification. When it is not sure, it asks you, for example Is this Neha paying you back?; a Yes is remembered for next time. It works the other way too, when you pay a friend back.

Activity

The Activity tab on the Split page lists everything recent: what was added, paid, edited or removed, with the group and the people. Tap a line to open it. The Udhar page has its own Activity tab.

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

Reads bank SMS No account linking, no passwords.

Sorts every rupee Into categories you can edit.

Bills and cards Statements found, due dates reminded.

Your Google Drive Backed up to you, never to us.