How to Track Shared Expenses with Friends
Track who owes who in 3 simple steps
Step 01
Add a friend
Scan their QR code in person or search by username. Your contact list stays private. Only mutual connections can see each other.
Step 02
Drop or Nudge
Owe someone? Drop an IOU. Someone owes you? Send a Nudge. Add a description, set the amount, and both sides stay in the loop.
Step 03
Settle up
When you're ready, tap to settle. Both sides confirm the amount. No surprises, no disputes. Clean slate.
More than just IOUs
Nudj handles the tricky stuff so you don't have to.
Circles for trips
Going on a trip? Create a Circle, add friends, and split expenses on the fly. Nudj figures out who owes what.
Tables for poker
Run a poker night or game session. Log buy-ins and cash-outs, and Nudj converts chip counts into IOUs automatically.
Passes for debt transfers
If Alex owes you and you owe Sam, pass the debt along. Fewer transactions, less hassle, everyone stays square.
Why Nudj?
Built for trust, speed, and simplicity.
No bank connections
Nudj never touches your bank account. It's pure tracking. Settle however you want: Venmo, cash, barter.
Mutual confirmation
Every IOU and settlement requires both sides to agree. No one-sided claims, no phantom debts.
Minimum settlements
In Circles, Nudj calculates the fewest transactions needed so everyone gets squared up efficiently.
Works offline
Log IOUs without a connection. Everything syncs automatically when you're back online.
Ready to get started?
Create an account in seconds. No credit card, no bank connection.