Stop tracking every coffee, taxi, and dinner in your head. Tucope shows the net of everything you owe and are owed per friend — split bills and cash debts together — so you can settle once and be done.
Debt Settlement
You paid for their dinner. They got your coffee. They borrowed $20 last month. You split the Uber. That's 4 different amounts to remember per friend — and most people have 5–10 friends in their social circle.
Transferring $8 for a coffee, then $15 for a lunch, then $24 for a bill — each transfer has a mental cost. Most apps show you 20 individual debts when the net is $10.
Nobody wants to be the one who tracks every dollar with friends. But the alternative is either eating the cost or having an awkward "do you remember you owe me…" conversation.
Open a friend's profile and see every outstanding amount — unpaid split bill shares plus any personal cash debts — in a single unified list.
Tucope calculates both directions automatically. They owe you $54, you owe them $64 — the net is simply "you owe them $10". One number, zero confusion.
Tap Settle. Pay the net difference via bank transfer. Your friend accepts the settlement in the app. Every debt between you — in both directions — is marked resolved.
Every detail designed for the way your brain actually works — not the way apps assume it should.
Split bill debts and personal cash debts combined in one view per friend.
Owe and owed amounts calculated automatically. See the one number that matters.
Pay the net difference, not every individual debt. One transfer, everything cleared.
The other party accepts the settlement in-app. Both sides confirm, all debts resolved.
Agree to forget minor amounts? Both parties can mutually write off small balances.
Every transaction with dates and Paid/Unpaid status. The full record, always accessible.
Two types: split bill debts (automatically created when a bill split has unpaid shares) and personal debts (manually added for things like cash loans, taxi covers, or any informal IOU).
Tucope adds up what your friend owes you and what you owe them. The difference is the net balance. Instead of making 15 individual payments, you settle with one transfer for the net amount.
You make a transfer for the net balance via your bank or e-wallet. Your friend receives a settlement request in the app. When they accept, all debts between you — in both directions — are marked as resolved.
Yes. If the net balance is minor (e.g. $2), both parties can mutually agree to write it off without any money changing hands. Both accept, and all debts are cleared.
Download Tucope free. No spreadsheets. No judgment. Just ask.
