What you had before
Splitwise
Built for a 5-day Goa trip with strangers
- Generic groups, no sense of home
- Settle Up is a screenshot, not a payment
- Made for INR-as-an-afterthought
- Asks you to upgrade. Often.
the talo club · open beta · free
The money app for the people you actually live with.
Rent, groceries, the Wi-Fi bill, Sunday chai. talo handles money between flatmates so you don't have to think about it. UPI in, balances out. That's the whole app.
Live at app.talo.club· iOS & Android coming soon
Built for one Gurgaon flat. Open beta for yours.
rent · due in 4d
9:41●●●5G
12 Banjara
Flat 4B
This month
₹12,480
spent across the flat
+₹1,640 to youMay
Recent
todayBlinkit runAisha · split 4-₹460
Sunday brunchYou · split 3+₹1,640
ElectricityMegh · 4 ways-₹800
NetflixRohan · monthly-₹162
What talo is
talo isn't a bill-split app. It's a house app. A calm, quiet, UPI-fluent layer for the money that moves between the people in your kitchen. Rent on the 1st. Chai on Tuesday. Netflix on the 12th. The Blinkit run at 11pm. All sorted, in seconds.
4
taps to settle a flat
₹0
awkward conversations
1
UPI tap to pay
∞
chai rounds tracked
01A calm 1st of the month
Rent is due. Nobody chases anyone.
On the 1st, talo nudges everyone once, gently. By dinner, four UPI transfers have cleared. The landlord gets paid. The flat is quiet again.
- Recurring rent, set once and forgotten.
- Per-person share, even when Aisha's room is the big one.
- Landlord-ready PDF for HRA, on tap.
3 of 4 paid● 4d
9:025G ▣
talo nudged the flat · rent due in 4 days
Rent · May
₹38,000
to landlord · Mr. Patel
3 of 4 transferred · ₹28,500 in
- Aisha₹9,500✓ paid
- Megh₹9,500✓ paid
- Rohan₹9,500✓ paid
- Diya₹9,500pending
talo will auto-recordMr. Patel's receipt on the 5th.
Blinkit · ₹1,840
11:24 pm5G ▣
Blinkit
7 items · Aisha paid
₹1,840
talo read
- Cold coffee · 2Rohan only₹240
- Milk · 1Lsplit 4₹62
- Bread · multigrainsplit 4₹55
- Eggs · 12split 4₹128
- Maggi · 4 packsplit 4₹85
- Detergent · 2kgsplit 4₹520
- Veggies bundlesplit 4₹750
talo split
- Aisha+₹1,440
- Rohan-₹640
- Megh-₹400
- Diya-₹400
02Receipt, parsed
Aisha paid for groceries. talo knew the rest.
Snap the Blinkit bill. talo reads the items, asks who had the cold coffee, splits the rest four ways. Rohan didn't open the app. The balance updated anyway.
- Per-item splits for the chai person, the cold-coffee person.
- Works on Zomato, Swiggy, Blinkit, Zepto, BigBasket.
- Edit on the fly. talo updates everyone silently.
03One UPI tap
Settle. That's the whole verb.
Tap a balance. talo opens GPay, PhonePe, Paytm or your bank's UPI with the right ₹, the right VPA, the right note. You come back to a quiet zero.
GPay
PhonePe
Paytm
And BHIM, Cred, Amazon Pay, and your bank app. talo is UPI-native.
one tap · zero copy-paste✓ verified
2:42 pm5G ▣
Settle up
Aisha Verma
aisha@ybl · ICICI
₹540
For: Blinkit · electricity · split share
Pay with
Or BHIM · Cred · Amazon · ICICI app
one tap · no copy-paste
Why talo
Other apps think you're on holiday. talo knows you live together.
What you had before
That shared spreadsheet
A monument to good intentions
- Updated for 3 weeks. Then forgotten.
- Maths is wrong by week 4
- Everyone has a different copy
- Nobody opens it anymore
What we built
talo
The money app for the people in your kitchen
- Built around the flat, not the trip
- One-tap UPI settle to GPay / PhonePe / Paytm
- ₹-native categories: chai, autowala, Blinkit
- Free forever for flatmates
A flatmate, somewhere in India
“We stopped fighting about the Wi-Fi bill. That alone paid for the rent.”
Aisha · Flat 4B, DLF Phase 3 · 3 flatmates, 2 cats
Web app live · iOS & Android soon · free for flatmates
Move in. Calm down.
The web app is live at app.talo.club. Open it in any browser. Same flat, same login. Native apps landing soon.
No signup form. No OTP loops. Just open it and start a flat.