Features

The whole house, sorted. In one calm app.

A full tour of how talo handles every rupee that moves between the people you live with. Not a feature dump. A deliberate set of tools, each one designed to disappear after it does its job.

01 · The basics

Expenses, the way humans add them

Drop a number, snap a receipt, paste a Swiggy bill. talo guesses who paid, how to split, and the category. You confirm with one tap. The math is invisible.

  • Equal, by share, by percentage, by item
  • Receipt parsing for Blinkit, Zomato, Swiggy, Zepto, BigBasket
  • Category guess from merchant + time of day
  • Edit anything later, talo updates everyone silently
01

Expenses, the way humans…

02 · Rent & recurring

Rent on the 1st. Wi-Fi on the 5th. Forever.

Set recurring expenses once and forget. talo nudges everyone calmly on the due date. By dinner the flat is square again, the landlord is paid, the spreadsheet was never opened.

  • Per-person share, uneven rooms supported
  • Auto-record the landlord's UPI receipt
  • HRA-ready PDF generated on tap
  • Gentle reminders, escalate only if you ask
02

Rent on the 1st.…

03 · UPI settle

One tap to GPay, PhonePe, Paytm, your bank

talo opens your default UPI app with the ₹, the VPA, and the memo pre-filled. No copy-paste. No screenshots. No 'sorry I forgot.' Comes back to a quiet zero.

  • UPI deep-links into every major Indian app
  • Auto-detect when your flatmate has paid
  • Smart-simplify before settling, fewer transfers
  • WhatsApp-shareable receipt summary
03

One tap to GPay,…

04 · Flats, not groups

Built around the home, not the trip

Your flat is the long-running default. Subscriptions live here, rotating bills live here, move-ins and move-outs settle here. Other apps treat your kitchen like a Goa group chat. talo doesn't.

  • Move-in / move-out balance reconcile
  • Per-flatmate joining date for fair splits
  • Deposit tracking + return on exit
  • Archive a chapter without losing history
04

Built around the home,…

05 · Smart things

Quietly intelligent. Never noisy.

talo learns the patterns: 'Blinkit Wed 11pm' is your nightly snacks run, the auto on Friday is Aisha going home. Categories, tags, and split defaults arrive pre-filled.

  • Pattern-based category auto-fill
  • Suggested splits from recent history
  • Spend insights: what we spent on chai this quarter
  • Anomaly nudge: 'this Blinkit run is 3× usual'
05

Quietly intelligent. Never noisy.…

06 · The calm stuff

Designed to disappear

Receipts you can search. Reminders you can shape. A balance widget on your home screen. talo's job is to do the maths and stay out of your way.

  • Home-screen widget with live flat balance
  • Search history by person, category, date
  • Quiet reminders, escalate only on request
  • End-to-end encrypted between flatmates
06

Designed to disappear…

Plays well with

Every UPI app. Every grocery app. Every flatmate.

talo doesn't replace your bank, your UPI app, or your subscriptions. It ties them all together so the money never gets stuck on a screenshot.

GPayPhonePePaytmBHIMCredAmazon PayICICIHDFCAxisSBI YONOBlinkitZeptoSwiggyZomatoBigBasketDunzoNetflixSpotifyHotstarJioFiberAirtelACT
Ready when you are

One open tab. Then it's just easier.

You can be tracking your flat's rent in under two minutes at app.talo.club. The rest of your flat can join with a single link.