01 · SCAN
Snap a photo of the receipt.
Our AI reads every line item, price, and total in seconds. Misread items can be edited in two taps.
How it works
From paper receipt
From paper receipt
to settled balance.
Three steps. No spreadsheet. No "I'll Venmo you later" that never happens.
02 · SPLIT
Assign each item to whoever ate it.
Custom cost coefficients let you say "Bob had two-thirds of the wine" without doing the math.
03 · SETTLE
One tap to even up.
At the end of the period, Chekkly nets out who owes what — and reminds the person who owes you.
Built for real life
Everything a shared wallet needs.
Six things that turn money tension into a footnote — instead of a group-chat argument.
Line-item splits
Assign individual products with custom share weights — the math is automatic.
Mock users
Track a roommate before they download the app. Convert to a real account later.
Multi-currency
Each receipt keeps its native currency. Settle in whatever you both prefer.
Monthly reports
Periods reset on a day you choose. See net debts at a glance.
Workspaces
Apartment 4B is separate from "trip to Lisbon." Switch from the header pill.
Private & secure
End-to-end encrypted cloud backup. No bank scraping, no ads, ever.
The settle moment
Two people.
Two people.
One honest number.
No more screenshots of split bills in the group chat. Chekkly nets out the period and tells you exactly who pays whom, and how much — to the cent.
Whoever you split costs with, Chekkly fits.
From two-person households to a friend-group trip — the same simple flow scales without getting awkward.
Groceries that don't end in passive-aggressive sticky notes.
Scan the Whole Foods run. Tag the oat milk to whoever drinks oat milk. Settle up on rent day.
One household, two incomes, fair shares.
Weighted splits handle income differences. Date-night dinners stay date-night dinners.
Lisbon for a week, settled before the flight home.
Multi-currency receipts and a workspace per trip. Everyone leaves square.
14k+
Households on Chekkly
$2.4M
Settled this month
98%
OCR accuracy
4.8/5
App store rating
FAQ
Questions, answered.
Yes — Chekkly is free to use. Plus unlocks unlimited scans, analytics, and multi-currency. Member access inherits the workspace tier: a member in a Plus workspace gets full Plus access within it; a member in a Free workspace is limited by the free tier.
| Feature | Free creator | Plus creator | Member in Free WS | Member in Plus WS |
|---|---|---|---|---|
| Workspaces | 1 | Unlimited | Upgrade to create | Upgrade to create |
| Members per workspace | Up to 3 | Unlimited | — | — |
| Receipt scans / month | 5 | Unlimited | Uses creator's quota (5) | Uses creator's quota (∞) |
| Manual expense entry | Unlimited | Unlimited | Unlimited | Unlimited |
| View receipts & debts | ✓ | ✓ | ✓ | ✓ |
| Add receipts | ✓ | ✓ | ✓ | ✓ |
| Settle up | ✓ | ✓ | ✓ | ✓ |
| Analytics & charts | ✗ | ✓ | ✗ | ✓ |
| Multi-currency / FX | ✗ | ✓ | ✗ | ✓ |
| Export CSV / PDF | ✗ | ✓ | ✗ | ✓ |
| Invite members | ✓ | ✓ | ✗ | ✓ |
| Ads shown | Yes | No | Yes | No |
Create a mock user. You can assign items to them and track totals just like a real account. When they sign
up, the history transfers over.
No. Receipts are the source of truth. Nothing reads your transactions, and there's no integration with
Plaid, banks, or card networks. The receipt image stays on your device unless you choose to back it up.
About 98% on a clean receipt — handwritten amounts, smudged thermal paper, and folded edges still trip it
up sometimes. Anything ambiguous lands in an "Unassigned" pile so you can fix it in two taps.
That's one of the most common use cases after roommates. Create a workspace per trip, add everyone (mock
users for the friend who never replies), and settle up before you fly home.
Stop chasing payments.
Start
scanning.
Free forever for small groups. No card required. Less than 30 seconds to get going.