Shared expenses, with a punchline

Split the bill. Keep the story.

Turn messy group spending into a recap people actually want to share—then unlock the sensible settlement plan when it is time to pay each other back.

No card required. Recaps stay free.

Payback Banter hero

Our founding promises

Funny first. Useful always.

No fake social proof

We are new, so we will earn trust with a clear ledger, editable inputs, and honest product limits—not invented testimonials.

No jokes pasted onto a spreadsheet

The recap has to be worth sharing on its own. If it is not funny, we improve the recap before adding more payment plumbing.

From receipt to repayment

One shared tab. Two reasons to come back.

The recap makes the expense worth opening. The settlement view makes the group worth keeping.

01

Capture the chaos while it is fresh

Add people, expenses, and split rules without forcing everyone through a finance app onboarding ritual.

Uneven and custom splits

Trips, houses, dinners, and events

Saturday night tab

Taxi detour£28
“One quick round”£64
Chips for the table£19
02

Get the recap

Payback Banter turns the group ledger into a shareable story: who fronted the most, who ordered chaos, and who still owes the final round.

03

Settle when it matters

When the joke has landed, switch to the practical view and see exactly who should pay whom to close the tab with fewer transfers.

Pricing that follows the loop

Laugh for free. Pay to close the tab.

We do not put the shareable part behind a paywall. Upgrade only when your group wants the boring-but-necessary work of settling made easier.

Recap

Free

For groups that want to record and roast the spend.

  • Create shared tabs
  • Add custom expense splits
  • Generate shareable recaps
  • Review the full ledger
Start a tab
For settlement

Settle

£4 / group tab

A one-off unlock when the group is ready to settle. No recurring subscription for an occasional trip.

  • Everything in Recap
  • Optimized who-pays-whom plan
  • Settlement status tracking
  • Reminders for outstanding balances
  • Final paid-up recap
Create a free tab

Straight answers

Before anyone says “send me your bank details”

The group chat deserves closure

Find out who funded the fun.

Start the tab now. Make the recap worth sharing. Settle only when everybody is ready.

Start free