Q: How do I auto-split expenses?

Set it up once and shared spends flow in on their own: Create a splitting group with your roommates and invite them. Route shared spending into it automatically: if you pay shared costs from one card / account, add it as a payment channel and assign it to the group — every expense on that card lands in the group. Or add category → group rules — e.g. Grocery and Home always file into "Flat 402". Split & settle: shared expenses now appear in the group; split them equally among members, and settle up periodically. Tip: Combine both — a shared card plus category rules — so almost nothing needs manual sorting.

Q: Why do others' expenses need verification?

When another member records an expense and says you paid for it, Tab.it won't silently change your balance. Instead it creates a pending item and asks you to confirm it's real. You can also link it to the matching expense or bank SMS you already have, so the same payment isn't counted twice. Note: Why it matters: it keeps the shared ledger trustworthy — no one can add to what you owe without your say-so — and prevents duplicates when both of you logged the same bill.

Question 1

Sharing vs splitting groups

Accepted Answer

Both are "groups", but they serve different jobs: Sharing groups organise your own or shared spending into separate buckets (Home, Business, a Trip), when you don't need to split it, so you can see each one's total on its own. Splitting groups are shared with other people to split costs and settle up together.

Question 2

Why do I need a splitting group with others?

Accepted Answer

Sharing a splitting group gives everyone one honest, shared ledger instead of scattered notes and screenshots. It remembers everything even if you forget. Use cases: flatmates splitting rent, bills and groceries; a trip with friends; a couple's shared expenses; a small team's project costs. Benefits: everyone adds expenses to the same place, balances update automatically, "who owes whom" is always clear, and settling up is one simplified step — with verification so no one can quietly change your share. To start: Groups tab → create a group → invite members (or Dashboard → Create Splitting Group).

Question 3

How do I auto-split expenses?

Accepted Answer

Set it up once and shared spends flow in on their own:

Create a splitting group with your roommates and invite them.
Route shared spending into it automatically: if you pay shared costs from one card / account, add it as a payment channel and assign it to the group — every expense on that card lands in the group. Or add category → group rules — e.g. Grocery and Home always file into "Flat 402".
Split & settle: shared expenses now appear in the group; split them equally among members, and settle up periodically.

Question 4

What are Simplified vs raw balances in splitting groups?

Accepted Answer

They describe the same debts two ways: Raw balances show the actual, direct amounts from each expense — the literal "A owes B ₹300, B owes C ₹250…", which can be many small debts between specific pairs. Simplified balances collapse all of that into the fewest possible payments that settle everyone. You might pay someone you never directly spent with, but the totals work out identically — it just means fewer transfers. Tip: Use simplified to settle up with the least hassle; use raw when you want to see exactly where each amount came from.

Question 5

Why do others' expenses need verification?

Accepted Answer

When another member records an expense and says you paid for it, Tab.it won't silently change your balance. Instead it creates a pending item and asks you to confirm it's real. You can also link it to the matching expense or bank SMS you already have, so the same payment isn't counted twice.

Question 6

How do I settle up?

Accepted Answer

When it's time to square balances, record the payment between members (who paid whom, how much) and everyone's balance updates. Use simplified balances to settle in the fewest transfers.