Linked cards
Forgot to add it? Split it straight from your card transactions.
Add an expense in seconds.
Type it.Say it.Snap it.Chipp gets it.
Chipp receipt scanning
Scan the receipt. Chipp reads every item and everyone claims their own.
Split it your way
Even.Exact.Itemized.Split equally, by exact amounts or item by item.
Any currency
Rupees on the trip, dollars at home. Split in 104 currencies.
Recurring Chipp+
Rent, wifi, the group Netflix. Set it once and it repeats.
Chipp knows your numbers.
Ask Chipp
Ask about your spending. Get the answer with a chart.
Chipp in iMessage
Text Chipp like a friend. Ask who owes you, split a bill or send a reminder.
In every group
Ask Chipp inside any group chat. Keep the answer private or share it with everyone.
Chipp explains balances
Not sure how a balance adds up? One tap and Chipp walks you through it.
Get paid back without the awkward ask.
Nudges
One tap reminds everyone who still owes you.
Settle up
Pay everyone back in one swipe.
Who owes what
Every expense shows who has paid and who still owes, live.
Settle medals
Gold.Silver.Bronze.First to settle takes gold.
No app needed
Share a link or QR code. Friends claim their items and pay from their browser.
Every way to pay
Settle any way you like. Chipp supports the apps you already pay with.
- Chipp Balance
- Apple Pay
- Google Pay
- Bank
- Venmo
- Cash App
- Zelle
- PayPal
Made for trips, roommates and couples.
Groups
One group for the trip, the house or just the two of you.
Pools
Chip in together toward one goal. Anyone can add money, with or without the app.
Send money
Pay a friend and pick the vibe it arrives with.
Your own money, in the same app.
Budget
A budget you can actually hit. Needs, wants and savings in one ring.
Chipp keeps watch
Subscriptions going up, renewals and paydays, the moment they happen.
Wallet
Keep a Chipp balance, pay friends instantly and send it to your bank.
Free for most features. Genuinely.
Free
$0forever
No card needed to start.
- Unlimited expenses, groups and friends
- Split by chat, voice or photo
- Settle with every payment method
- Share links, QR codes and reminders
- Pools, budgets and spending insights
- Ask Chipp with a monthly allowance
- 1 bank account + 1 card
Most popular
Chipp+
$3.99/month
or $29.99 a year, about $2.50 a month. Try the yearly plan free for 30 days.
- Everything in Free
- Unlimited receipt scanning and itemization
- Unlimited Ask Chipp
- Unlimited banks and cards, split from past transactions
- Recurring expenses
- Find friends nearby and share groups with a link
- Free instant transfers to your bank
Auto-renews. Cancel any time in the App Store or Google Play.
Chipp+ Circle
$6.99/month
or $49.99 a year, with a 7-day free trial.
- Everything in Chipp+
- Extends Chipp+ to everyone in the groups you own
- Unlimited receipt scanning and Ask Chipp
- Unlimited banks and cards, split from past transactions
- Recurring expenses on any schedule
- One subscription for the whole house, trip or family
Auto-renews. Cancel any time.
Hear it from our users
“Chipp makes splitting bills effortless with its tap feature, allowing me to quickly assign expenses to friends as soon as the bill arrives!”
"It is the only app you need for any kind of group expenses! It offers seamless bank integration and has made transfers effortless with just one swipe"
"Chipp made splitting my bills directly from my credit card transactions, a breeze! I no longer have to remember or lookup how much I paid through different credit card apps."
"Chipp simplifies splitting bills for my trips, group dinners, or recurring expenses in a hassle-free manner. With instant payments, I no longer have to wait months to get my money back."
Frequently asked questions
Will the Chipp app be available for both iOS and Android devices?
Yes. Chipp is a full native app on both iPhone and Android, and everything on this page works on either one. Groups, expenses and balances sync across both, so it doesn’t matter what your friends carry.
Is the app free to use including adding expenses, tracking transactions and settling with friends?
Yes. Adding expenses, making groups, tracking balances, budgets, pools and settling up are all free, with no limit on how many. Chipp+ adds unlimited receipt scanning, unlimited Ask Chipp, unlimited linked banks and cards, recurring expenses and free instant transfers for $3.99 a month or $29.99 a year.
Can I link more than one card and bank account?
On the free plan you can link one bank account and one card. Chipp+ lifts that entirely, so link as many as you like. Accounts connect through Plaid, and Chipp never sees or stores your banking password.
How can I invite my friends or contacts to Chipp?
Add them from your contacts, find them nearby at the table, or share any expense, receipt or group as a link. People who don’t have Chipp can still see what they owe and pay you from the browser, and a group link brings them straight into the right group when they install the app.
How does the money actually move?
Payments run through Stripe. You can pay from your Chipp balance, a linked bank account, a card, Apple Pay or Google Pay. Instant transfers arrive right away, and standard bank transfers take about 3–5 business days. Any fee is always shown before you confirm. Chipp is a financial technology company, not a bank.
What if my friends don’t have Chipp?
They don’t need it. Share any expense or receipt as a plain web link or a QR code. They open it in a browser, pick their items, see what they owe and pay online without downloading anything.
Is my banking data safe?
Bank connections are made through Plaid, the same infrastructure used by most major US finance apps, and card details are handled by Stripe. Chipp stores access tokens, never your bank credentials or full card numbers. You can unlink an account or delete your whole account from inside the app at any time.
What can I ask Chipp to do?
It turns a sentence, a voice note or a photo into a finished expense and waits for you to confirm. It reads receipts line by line. And once your cards are connected it answers questions like “how much did I spend on food this month?” or “who still owes me?”, and can run the settle-up for you.