EXPENSE SPLITTER
THAT JUST WORKS.
Ledgers sync directly between your devices. No accounts, no cloud.
ONE MESH
PER GROUP.
Your debts live in no central database. Inside each group, every member's device opens a direct, end-to-end-encrypted link to every other — a full mesh, one per group — so balances reconcile pairwise, phone to phone. Can't punch through a firewall? A blind relay forwards the encrypted bytes, never another member's device.
ON THE ROADMAP
Things we're sketching — no ship dates, no promises.
WHY WHO-OWES
Most split-expense apps are a database in someone else's cloud holding a map of who you eat with, travel with, and live with. At Who-Owes, we hold none of it. The ledger lives on the phones of the people in the group and reconciles directly between them — sovereign by default, legible by design. No accounts, no cloud rents, no tracking. Just the bill, split, between the people who shared it.
peers sync the ledger directly