Money is shared
Now see the whole picture
See your real financial picture — including shared money.
Trusted across Asia, Europe, Oceania and beyond.
Built for everyday sharing
Works for stable sharers. Start solo, grow together.
Room to grow
Look familiar?
Expense Tracker
“Made for singles”
Form Style
“Fill 6 fields for one coffee”
Bill splitting app
“Everyone must download app”
Notes app
“How much did he owes me?”
Spreadsheet
“How much did I actually save last month?”
Messaging app
“Payment reminder... always re-sending payment info”
How It Works
Your money,
finally at a glance
Most finance apps show yours.
Combifi shows ours.
Personal + Groups Combined
Personal, shared, and group spending — all in one view. No app-switching.
Every Dollar Explained
Itemized breakdown showing who paid what and when. Complete transparency.
Your Portion, Not the Total
See what you actually owe, not the confusing full amount.
100% yours
Split 50-50
Split Equally (1/3)
100% yours
Split 50-50
Split 1/3
Total Bill
S$ 245.80
Share this link to settle up:
combifi.com/split/xk39-2jcontent_copyNo app download required for friends to pay
No App Needed
Instant Split:
Socially Seamless
Bill splitting usually needs an app.
Combifi just needs a link.
No App Required
No downloads, no signups. Friends click and pay.
One-Click Links
Send via WhatsApp, Telegram, or iMessage.
Flexible Payments
Friends choose their preferred payment method.
Financial Insights
Financial Health,
Not Just Expense Charts
We analyze the numbers so you don't have to. Just see where you stand.
Average Saving Rate
37.8%
Mar 2025 - Feb 2026
Income
$30,906
Expense
$19,228
Saved
$11,677
Great job! You’re on track for financial security.
Saving Rate Guide
Loved by Real Users
See how Combifi is changing how people manage money together.
Combifi has completely transformed how my partner and I handle shared expenses. It's fast, simple, and removes all the awkwardness!
Sarah Lee
Freelance Designer
I've tried every splitting app - this is the first one my entire friend group actually uses. The QR code payment is genius!
Michael Smith
Software Engineer
As a frequent traveler, Combifi saves me hours of accounting. Now I just split once and forget about it.
Cheng Wei
Travel Blogger
Track together, Understand Better
Take the stress out of shared finances. Start your journey now.
Connect With Us
Follow us on social media or reach out directly. We love hearing from you!
