Just chat.
Type naturally. "dinner 120", "uber 15 usd", "groceries 48.60 split 3 ways". Zel parses amounts, currencies, and splits from the way you already type in group chats.
Private beta · iOS first
Split expenses in the chat where they happen.
Zel turns trip conversations into ledgers. Type "dinner 120" — Zel reads the amount, splits the bill, and keeps every balance up to the cent. No spreadsheets. No mental math.
01
Three things Zel does well.
The rest is just conversation.
Live balances.
Every message updates the ledger. See who owes whom the moment the bill hits the table — not a week later when someone finally opens a spreadsheet.
Built for trips.
Invite by QR, snap receipts, track settlements, export a clean spreadsheet when the trip ends. Multi-currency out of the box.
02
Principles.
i.
Messages are the interface.
Group chats already hold the truth of what happened — who ordered, who paid, who owes. Zel doesn't replace that conversation. It reads it.
ii.
Numbers must match, always.
Balances live in a single source of truth and recompute whenever anything changes. No rounding games. No drift. If ten people split one bill, the ten shares always add back to the total.
iii.
Your data belongs to you.
No ads. No cross-app tracking. No third-party analytics. Export any trip to a spreadsheet in one tap. Delete your account and everything you created goes with it.
iv.
Calm over clever.
Zel is built to feel quiet. One primary action per screen. Warm typography. Generous spacing. Because tracking money between friends is already stressful enough.
Launching 2026
Ready to try a quieter way to split bills?
Zel is in private TestFlight while we polish the last rough edges. Drop us an email and we'll send you an invite.