Combined
Personal
Your private ledger
₹14,250
Spent in October
Split bills with friends. See exactly who owes whom.
Plutus keeps your own spending and the bills you share in groups. Add expenses as they happen, and Plutus works out the fewest payments that clear the group.
Coming to Android and iOS · [PLACEHOLDER: launch date]
8 IOUs become 4 payments
- You+₹3,250you get back
- Riya−₹2,050owes
- Kabir−₹1,900owes
- Anaya+₹700gets back
- Dev₹0settled
One dinner, five shares, nothing to work out in your head.
Enter the amount
Type it once. Plutus formats it the Indian way as you go.
Pick who paid
You, or anyone in the group. Plutus asks before saving if you forget.
Split it
Equally by default, or adjust each person's share.
Beach shack dinner
Goa Vacation · Paid by you · Split equally
Your share is ₹480. The rest comes back to you.+₹1,920 you get back
Your own money and the money you share, in one place.
Every expense belongs to a group. A Combined group is a private ledger for you, or for a couple pooling money. A Split group tracks who owes whom between friends, family or flatmates. Lists, stats and adding an expense work the same way in both.
Split
Flat 4B
Rent, groceries and Wi-Fi · 3 members
−₹1,120
You owe Kabir
Goa Vacation
October 2026
Smart features that work on your phone, not on a server.
Android
Bank SMS become expenses, waiting for you to confirm.
Plutus reads the amount, card and merchant from your bank's transaction alerts. Captured items don't count in your totals until you confirm them, and likely repeats are flagged as duplicates.
HDFC Bank: Rs.450.00 spent on Card xx1644 at SWIGGY on 26-10-26 21:12.
SwiggyHDFC •• 1644 · 9:12 pm · from SMS₹450
Your data never leaves your device.
Only bank transaction alerts are read. On iPhone, you add expenses yourself.
On-device AI
Ask about your spending. The answer is worked out on your phone.
Plutus downloads a language model to your phone once, about 2.1 GB. After that, daily insights and answers work offline.
How much did we spend on food this trip?
You spent ₹9,840 on food, 26% of the trip. The biggest was the beach shack dinner at ₹2,400, split five ways.
Your data never leaves your device.
Needs a phone with 4 GB of memory and 3 GB free. Model: [PLACEHOLDER: model name].
Rupees first, written the way you read them.
Amounts use Indian digit grouping, so a lakh looks like a lakh. When someone settles up by UPI, cash or a bank transfer, you record it in the group. Plutus never moves money. It keeps the record straight.
- Riya to YouPaid via UPI · recorded₹2,050
- Kabir to YouCash at the airport · recorded₹1,600
- You to AnayaBank transfer · recorded₹400
Good to know before you start.
Does Plutus move money?
No. Plutus records payments between people. You pay however you usually do, by UPI, cash or bank transfer, then record it in the group. Undoing a record removes the record only; no money moves.
How does Plutus work out who owes whom?
Each expense records who paid and how it was split. Plutus adds those up into one balance per person, then suggests the fewest payments that clear the group.
Do my bank SMS leave my phone?
No. On Android, Plutus reads bank transaction alerts on your phone and turns them into expenses for you to confirm. The messages themselves never leave your device.
Can Plutus read SMS on iPhone?
No. iPhone doesn't let apps read SMS, so on iPhone you add expenses yourself. Groups, splits and stats work the same way.
Does the AI assistant need the internet?
Only once, to download the model, about 2.1 GB; Wi-Fi avoids mobile data charges. After that, insights and answers are worked out on your phone, offline. It needs a phone with at least 4 GB of memory and 3 GB of free storage.
Can I use Plutus just for my own spending?
Yes. Everyone gets a Personal group, a private ledger that only you can see. Add shared groups when you need them.
Start with one group. Settle up in minutes.
Join the waitlist and we'll tell you when Plutus is ready on your phone.
Coming to Android and iOS · [PLACEHOLDER: launch date]