Features

A shared notebook for money between people who like each other.

It is deliberately not a bank. Every screen on this page is the app as it ships today — nothing here is a roadmap.

An itemised dinner in Lisbon: paid by one person, each line assigned to whoever ate it, and the four shares underneath.

Six ways to split

Because bills are not all the same

Equally. By exact amounts. By percentage. By shares, when two people had a room and one had a sofa. Equally but with an adjustment, for the one who also bought the coffees. Or item by item, so the person who had the wine pays for the wine.

And more than one person can pay: one bill, three cards on it, split six ways — the ordinary end of a long dinner, and the thing most apps quietly cannot describe. Every payer and every share is recorded separately, and the remainder cents are handed out in a fixed order, so everyone's arithmetic adds up to the same total.

Adding an expense: €105.60 typed on a number pad under the Lisbon group's colour, with the four people in the split and €26.40 each shown as the digits go in.

Add an expense

Type the amount, watch it split

An expense opens on a number pad, because the amount is the one thing every bill has and the thing you are holding in your head. The share each person owes updates under the figure as you type, so you see "€26.40 each" before you have finished.

There is no decimal point to get wrong. Digits fill in from the right, the way a card terminal does, so 1-2-5-0 is 12.50 whether your phone writes it 12.50 or 12,50.

Settle up

Without chasing

Simplified debts collapse a tangle of four people owing each other into the smallest set of payments that clears it. Marking one done records it; the money itself moves in whatever app you already use, and Antemate points you at the right one.

And when somebody forgets, you do not have to be the one who asks. Tap Remind and they get one notification saying what they owe you — once a day at most — or let the group remind everyone who owes, weekly or monthly, at ten in the morning their time.

Antemate never holds or moves a cent. No custody, no transfers, no licence, no waiting three days for anything to clear.

Totals for the Lisbon trip: a donut chart of where the money went by category, the group total, your share, and who has been fronting things.

Search and totals

Find it, and see where it went

Search across every group at once — by what it was called, what it cost, or who paid. And a breakdown per group: the total, your share, who has been fronting things, and where the money actually went.

Both free. The obvious competitor charges for the first one.

The activity feed: each change as who did it, with their face, what it was and which group, in time order, with what it did to your balance.

Comments and history

The argument, settled in advance

Every expense carries its own thread: what people said, and every edit, in one list in time order. "I thought that dinner was $16" is answerable by scrolling, not by remembering.

A comment reaches the people the expense is split between, and anyone already in the thread, as a notification with what was said — so a question gets its answer without anybody having to check.

An edit record cannot be deleted, because a history somebody can delete is not a history.

Any currency, at the right rate

Every expense keeps the exchange rate from the day it happened, so a debt you agreed on Tuesday is still the same number on Friday. The group has one currency, you read your balances in yours, and neither of you has to do the conversion in your head.

Works on a plane

Add an expense with no signal at all. It syncs when you land, in the order it happened, and it cannot be lost or counted twice on the way — which is the actual hard part, and why the ledger is built around it rather than having it bolted on.

Nobody has to sign up

Add somebody by name and their shares count from the first expense; if they join later, they take over that seat. And one dinner with one friend needs no group at all — add them as a friend and split straight away.

The rent, on its day

Add the rent, a subscription or the power bill once and choose how often it repeats — weekly, fortnightly, monthly or yearly. It lands on its day, split the same way, and pauses rather than charging somebody who has moved out.

Photograph the bill

A receipt becomes a split, line by line, for you to check before anything is written. A menu in a language you don't read comes back in yours, with the original to point at. Both are metered, because both are a real cost per photograph — see pricing.

It knows the itinerary

Link a trip you planned in Yanvara and watch planned against actual, day by day, while you are still on it. Antemate works completely on its own if you have never heard of Yanvara.

It reads the same in the dark

Dark mode, large text and a screen reader are not an afterthought here: a balance says which way it points in words, not only in colour, because about one man in twelve cannot tell our green from our clay.

Take it with you

Export any group as a PDF statement — balances, who pays whom and every expense, ready to print or send — or as a spreadsheet that opens anywhere and imports back into Antemate. Free, for anyone in the group.

Finding friends stores nothing

Finding a friend compares scrambled codes and stores none of them. Your contacts are never uploaded, and your ledger is never used to sell you things or handed to anyone.

Deliberately missing

It does not move money. No custody, no transfers, no licence, no waiting three days for anything to clear.
It does not read your bank account. That is a different product with a different set of promises to make.
It does not upload your contacts. Finding a friend compares scrambled codes and stores none of them.
It does not use your ledger to sell you things, or hand it to anyone. It is a record of who owes whom between friends, and that is all we want it to be.

Coming to iOS and Android

Every one of these is free.

The ledger — every split, every currency, every balance, offline — costs nothing and never will. Pro is only for the four things that cost us money to run.