For iPhone · Coming to the App Store
Money in, money out, nothing in between.
Where is my money? An expense tracker that opens on the number pad, and a bill splitter that does the arithmetic you have been doing in a group chat. Built for India, down to the rupee grouping.
Logging
Type the amount. That is the whole ritual.
The app opens on the number pad with the cursor already in the amount. Type a figure, say what it was for, done — no category tree, no account picker, no receipt to photograph.
That is not minimalism for its own sake. A tracker you skip on a busy day is a tracker that stops being true, and a ledger with a hole in it is worse than no ledger at all.
The month screen then shows you the shape of it: what each day cost, scaled against the heaviest day of that month, and — in green — the days nothing discretionary went out at all.
40 Receipts
3 Transfers
Six people, one trip, everyone square.
Splitting
Forty receipts, three payments.
Put a trip in, tick who is on it, and every bill after that divides itself. WIMM works out the fewest payments that square everyone up — so a debt can be routed through somebody you never split a bill with directly, and the amounts still add up.
Settle up · pays into any UPI app
The other five people
They do not need the app.
No invitations, no sign-ups, no waiting on the one friend who never installs anything.
Names, not accounts
The people you split with live in your ledger as names you typed. WIMM never reads your contacts.
Send a PDF, not a link
When the trip is over, export it as a PDF or a spreadsheet and send it however you already talk to them.
Paid the usual way
Settling opens your UPI app with the amount already filled in. The money never touches us.
Your ledger, your account
Nothing is watching you use it.
Everything works offline and syncs to your account, so it is there on whatever phone you sign into.
There is no advertising or analytics code in the app, no location, no device fingerprinting, no crash-reporting SDK. Two services make it work — one hosts the database, one delivers your sign-in code — and neither is given anything it does not need.
Deleting your account erases it: expenses, people, trips, shares, settlements, your email and phone number, off the server and off the phone, immediately. The privacy policy is short, specific, and written from the code rather than from a template.
Getting it
Coming to the App Store.
There is nothing to sign up for on this page. No waitlist, no email box, no cookie banner to dismiss — the app will simply appear.