Where your money is, and what it is for.
Accounts, cash, shared pots and trips in one ledger. Nothing is ever deleted or quietly edited.
It starts with the phone face down on the table.
Pick it up, and thirty seconds later the month exists. Every screen below is the real app.
- ONE
It wakes up knowing where you are
Net worth, every card, every pot. Read from your own entries, never a figure it made up.
- TWO
Log it in about ten seconds
Type the amount, tap what it was for. Or hold the button and say it: two thousand on the hotel bill, by Amex.
- THREE
It lands in the ledger
Filed under today, in the right book, on the account it came from. Nothing is ever overwritten.
- FOUR
Every total moves
The month, the pot and the pace all recount, and the three screens that count that rupee agree.
Every scrap of it, in one ledger.
Bank rows, cash you counted, a pot with four people in it, a trip in three currencies. One record, and nothing leaves it.
Fifty-seven screens, all of them finished.
Not a prototype with three good pages. Every state has been drawn, including the empty ones.
London costs pounds. Paris cost euros. Bangkok cost baht. Home counts rupees.
A trip keeps its own money. Every spend is sealed at the rate you actually paid, so the trip still reads true a year later.
Nobody split that dinner four ways.
Three of you went. One pot, one evening, and the share has to say so.
Split each entry the way it happened
A pot splits evenly by default. Any single entry inside it can be shared between fewer people, and the settlement follows.
The Merge Moment
Twelve entries, four people, one tangle. It resolves into the fewest payments that clear it.
A couple shares one purse
Nothing is owed between two people running one home. The pot simply holds what the household spent.
Am I ahead, or behind?
The one question a month actually raises. Insights answers it against an even pace, not a guess.
What it will never do.
Move a rupee
It reads and remembers. Your bank does the paying.
Delete anything
An edit is an amendment. The original stays readable underneath.
Watch you
No ads, no trackers, no selling what it sees.
Hold your secrets
The vault stays on your phone. No endpoint can return it.
MergeWise is a record, not a payment app. It is not a bank, not a payment system operator, and not an RBI regulated entity. It gives no financial, tax or investment advice. Read the terms and the privacy page for the whole of it.
Put it on your phone.
It installs from the browser and opens like any other app. There is no app store in between, and it is free while it is being built.
Works on Android, iPhone and desktop. Your account starts empty and stays yours.