For one person’s money

Your receipts, filed by the time you sit down.

Freelancers, consultants and anyone who has ever lost a receipt they needed in April. Forward it, or let your inbox forward it for you.

Start free See pricing

Forward anything to

u7f3a9k2m@bills.outlay.site

Yours alone. Set it once as a Gmail rule and stop thinking about it.

Blue Tokai Coffee

Meals · GST ₹42 split out

₹280

Jio Fiber

Utilities · matched to last month

₹1,499

Amazon

Two copies arrived — you decide

₹1,499

How a bill becomes a ledger entry

Step one
It arrives

You get your own drop-box address. Forward a receipt to it, or set a rule in Gmail and never think about it again.
Step two
It gets read

Supplier, date, total and the CGST/SGST/IGST split come off the document. A PDF, a photograph of paper, a screenshot — all the same.
Step three
It lands

Filed to a category on your ledger, with the tax split out. If two copies of the same bill turn up, both stay visible and you decide.

For one person

Four things you stop doing

No more keeping receipts in a drawer, no more typing them into a spreadsheet, and no more finding out in April what you cannot claim.

No bank login

Your bank tells us, you don’t

The debit alerts your bank already emails you become a transaction list, each one matched to the bill that paid for it. Nothing to connect, no bank login handed over, no read access to your account.

Croma

Filed: Equipment

GST ₹198

₹1,299

Matched

Ready for your CA

Export the ledger with the CGST, SGST and IGST already split out of every line. Your accountant gets a file, not a shoebox.

Split it, settle it

Split the bill with whoever was there, then show them a UPI QR with their share already in it. The money goes bank to bank; we never hold it.

₹480

Spent abroad, read at home

A receipt in euros or dirhams is kept in the currency it was paid in and shown in yours, converted at the rate published for that date — not today’s. If the rate cannot be fetched, it says so rather than quietly showing you the wrong number.

Splitting

Everyone has an app for splitting bills. None of them can settle one in India.

Splitwise will tell you that Rahul owes you ₹1,250. Then you leave it, open a UPI app, find him, and type the amount in yourself. Outlay does the arithmetic and the paying — without ever touching the money.

Not everyone at dinner has the app

Add somebody by name and they are a full member with a running balance, not a label on one line. Seven at dinner and five accounts is the normal case, not the awkward one. When they do join, everything already split with them becomes theirs.

Paise, not rounded shares

₹1,000 between three is not ₹333.33 each with a rupee left in the air. The remainder is handed out a paisa at a time, so the shares add up to exactly what was paid. Split equally, or set exact amounts when one person had the starter and three had the wine.

The fewest transfers that clear the debt

Four people, a weekend, and eleven expenses becomes two payments rather than eleven. Balances with the same person across several groups are added together, because that is how you think about it — you owe Priya, not Priya-from-the-Goa-trip.

Paid is something you both agree on

You mark it paid, optionally with the screenshot, and it is settled once they confirm. Part payments count. Nothing is ever recorded as paid because an app assumed it went through.

Friends, groups and a link

Send a friend request inside the app, or a link that makes the account and the friendship in one step. Groups for a flat, a trip, a regular lunch. Nothing is shared with anybody until they accept.

Goa trip · four people

Settle up

₹1,250.00

Already in the code

Your friend scans it in GPay, PhonePe, Paytm — whichever they use. On one phone, save it and scan from the gallery.

The money never comes near us

It goes bank to bank between the two of you. Outlay builds the request and gets out of the way, which is why there is no wallet to top up and no balance sitting anywhere.

What settling up normally looks like

1The app tells you Rahul owes you ₹1,250.
2You leave the app and open a UPI app.
3You find Rahul, or ask him for his UPI ID again.
4You type ₹1,250 and hope you typed it right.
5You go back and mark it settled, if you remember.

Splitwise, the app most people mean when they say “split app”, has no UPI integration at all in India. Neither do Settle Up, Tricount or Splid. The arithmetic is solved; the paying is left to you.

What it looks like here

1Tap settle. The QR is on screen with ₹1,250 already inside it.
2Rahul scans it in whatever UPI app he has, and pays.
3You mark it paid; he confirms; the balance clears.

Paying on your own phone instead? Save the QR to your gallery in one tap and use “scan from gallery” — every UPI app supports it. We ship an Android app for exactly this.

Groups for things that repeat

A flat, a trip, the Tuesday lunch. Expenses stay attached to the group they belong to so the Goa trip does not get tangled with the electricity bill — but what you owe each person is still added up across all of them.

Friends, without a group

Some people you just split with. A friendship is its own two-person ledger, so you can settle a single coffee without inventing a group called Coffee. Requests go both ways and nothing is shared until it is accepted.

One link, no account needed first

Send a link that adds someone to a group, or makes them your friend and their account in a single step. If they are not on Outlay we email the invitation for you, so nobody has to be talked through signing up.

Your overview

A dashboard you assemble, with none of the work a dashboard usually takes.

Business intelligence tools give you a canvas and a data model to build first. By the time you have a chart, the month is over. Here the data is already yours and already read — you are choosing what to look at, not constructing it.

Ten to choose from

Add what you want from the gallery, drop what you never read. Nothing is permanent and nothing needs configuring — every widget already knows where its numbers come from.

Dragged into your order

Put the thing you check every morning at the top. The layout saves to your account, so it is the same board on your laptop and your phone.

It cannot be laid out badly

A six-month trend takes a wide slot and a single number takes a narrow one. The widget decides, not you, so the board looks composed however you rearrange it — and reflows on a phone without becoming a stack of squashed charts.

Only what is yours

A personal vault shows personal numbers. Company widgets do not appear in it, and cannot be reached by asking for them directly — the gallery, the layout and the data are all checked against the same list.

Widget gallery

6 on your board, 4 available

Six-month trendwide

Spend vs budget

Needs action

Tax reclaimable

Top merchants

Daily activitywide

Not on your board

Spend by categoryadd

Spend compositionadd

Recurring & subscriptionsadd

Spend without a receiptadd

On a company workspace another eight appear — department spend, approval cycle time, card utilisation and the rest. See those

Each one answers a question you already have

Nothing here needs a query written or a field mapped. The bills are already read, so the widgets are just different ways of asking the same ledger something useful.

Spend vs budget

Am I going to overshoot this month, while there is still time to do something about it?

Needs action

What is actually waiting on me — a duplicate to judge, a bill that would not read?

Six-month trend

Is this month unusual, or is it what the last six have looked like?

Tax reclaimable

How much GST is sitting in this month’s invoices, split out of the totals already?

Recurring & subscriptions

What is billing me every month without being asked, and what does it add up to?

Spend without a receipt

Where did money leave with no paperwork behind it — the number an accountant asks for first?

Top merchants

Who am I actually paying, ranked, rather than a category that hides four suppliers?

Spend by category

Where is it going in the shape a return wants it, not the shape a bank statement gives it?

Daily activity

Which days do the bills arrive on, and is anything still landing that I thought had stopped?

Subscriptions

The things billing you every month that nobody decided to keep

You do not have to tell Outlay what your subscriptions are. When the same supplier bills the same amount in three or more separate months, that is a subscription, and it says so — whether or not anyone remembers signing up for it.

Found, not declared

No list to maintain and nothing to tick. It is a pattern in bills that have already been filed, which is how a forgotten subscription actually surfaces — the one you stopped using in March and have paid for since.

How long, and how recently

Each one carries the number of months it has been billing and when it last did. A subscription that has not charged in two months is either cancelled or about to surprise you, and both are worth knowing before the statement arrives.

What it costs you a month, together

Eight recurring charges of a few hundred rupees do not feel like anything until they are added up on one line. That total is the point of the widget.

Recurring & subscriptions

₹4,347 / mo

Jio Fiber

11 months · last seen 1 Oct

₹1,499

Adobe Creative Cloud

9 months · last seen 28 Sep

₹1,699

Spotify

14 months · last seen 3 Oct

₹199

Notion

6 months · nothing since 12 Jul

₹950

Add the widget to your board and it stays there. Outlay does not cancel anything for you — that is between you and the supplier.

The rest of it, briefly

Bank alerts, matched

Your bank’s debit mails become a transaction list, and each one is matched to the bill that paid for it. What is left over is money you spent with no receipt — which is the number worth knowing.

Two copies, both kept

A duplicate is flagged by supplier and invoice number, or by supplier, date and amount — so a photograph of the same paper receipt is caught, not just the same file twice. Both stay visible. Hiding one is how the real bill goes missing.

Backed up to your Drive

Connect Google Drive and every document lands in a folder you own. If you ever stop paying us, the paperwork is already somewhere you control.

Export, whenever

Take the ledger out as a file your accountant can open. No request form, no waiting, no export that quietly omits the columns you needed.

Your receipts, filed by the time you sit down.

How a bill becomes a ledger entry

It arrives

It gets read

It lands

Four things you stop doing

Your bank tells us, you don’t

Ready for your CA

Split it, settle it

Spent abroad, read at home

Everyone has an app for splitting bills. None of them can settle one in India.

Not everyone at dinner has the app

Paise, not rounded shares

The fewest transfers that clear the debt

Paid is something you both agree on

Friends, groups and a link

What settling up normally looks like

What it looks like here

Groups for things that repeat

Friends, without a group

One link, no account needed first

A dashboard you assemble, with none of the work a dashboard usually takes.

Ten to choose from

Dragged into your order

It cannot be laid out badly

Only what is yours

Each one answers a question you already have

The things billing you every month that nobody decided to keep

Found, not declared

How long, and how recently

What it costs you a month, together

The rest of it, briefly

Bank alerts, matched

Two copies, both kept

Backed up to your Drive

Export, whenever

What you get, by plan

Free

Pro