Splits
Track what you and a friend owe each other, one entry at a time.
- Lent, borrowed or split down the middle
- Any currency, each kept apart
- Notes and receipt photos
- Friendly reminders on WhatsApp
Splits · Groups · Chits
Money between friends, sorted.
Chaaq keeps track of who owes what. Splits for you and a friend, Groups for trips and shared homes, Chits for saving together. Free on iPhone.
Download on theApp Store
Android coming soon
- No bank details
- No ads
- Your data is never sold
What's inside
Three tools, one app
Whatever you share, Chaaq keeps the numbers straight, so nobody has to keep score.
Groups
Trips, flats, dinners and teams. Everyone sees the same numbers.
- Split equally, by amount, by share or by percentage
- See who paid and who owes whom
- Settle up in a few taps
- Invite friends with a link
Chits
Save together with people you trust, one turn each month.
- A fixed order or a monthly draw
- See who has paid this month
- Reminders before each draw
- A clear record of every month
How it works
Up and running in a minute
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Sign up with your number
A one-time code and you're in. No bank details, ever.
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Add your people
Pick them from your contacts. They don't need Chaaq yet, and you can invite them with a link anytime.
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Add what you share
A dinner, a trip, the rent or a monthly chit. Chaaq works out who owes what.
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Settle up
Send a friendly reminder, record payments as they come in, and watch the balance reach zero.
Chits
Save together, take turns
A chit is a savings circle with people you trust. Everyone pays in the same amount each month, and each month one member receives the whole pool, until everyone has had a turn.
Fixed order
Agree the order at the start, so everyone knows their month.
Monthly draw
Each month, a random draw picks the recipient from members who haven't received yet.
Chaaq keeps the record of who paid, who's late and who's next. The money moves between you, outside the app.
Why Chaaq
Made for the way friends really share
Every currency, kept apart
Dollars stay dollars and euros stay euros. Each currency gets its own total.
Invite with a link
Share a link on WhatsApp. Friends tap it to join your group or chit.
Reminders, minus the awkward
One tap sends a friendly WhatsApp message with the exact amount.
Notes and receipts
Add a note or a photo of the bill to any entry.
Private by design
No bank details, no ads, and we never sell your data.
Yours to keep or delete
Export your data or delete your account from Profile, anytime.