Nudj vs Venmo
Venmo sends money. Nudj tracks it. They solve different problems, and many friend groups use both. Here is how they compare.
| Feature | Nudj | Venmo |
|---|---|---|
| Tracks who owes who | ||
| Sends real money | ||
| Group expense splitting | ||
| Poker night settlements | ||
| Mutual confirmation on every IOU | ||
| Payment requests | ||
| Bank account required | ||
| Running balance between friends | ||
| Free to use | ||
| Works without internet |
Different tools for different jobs
Venmo is a payment app. You link your bank account and send money. Nudj is an expense tracker. You log who owes who and settle up however you want: Venmo, cash, PayPal, or a beer next Friday.
The key difference is that Venmo has no concept of a running balance between friends. Each payment is a standalone transaction. Nudj keeps a live ledger so you can see your net balance with every friend at any time. If you cover dinner tonight and your friend covers coffee tomorrow, Nudj tracks the running total. With Venmo, you would need to send a separate payment for each one.
Use Nudj to track, Venmo to pay
The best setup for most friend groups is using both apps together. Track expenses in Nudj throughout the week, month, or trip. When you are ready to settle up, Nudj shows exactly who owes who and how much. Then send the money through Venmo, Zelle, cash, or whatever your group prefers.
Track in Nudj
Log expenses as they happen. Nudj keeps a running balance between every friend.
Review balances
When you are ready to settle, see the exact amount each person owes.
Pay with Venmo
Send the money through Venmo, Zelle, or cash. Mark it settled in Nudj.
Why not just use Venmo for everything?
Venmo works great for instant, one-off payments. But when you are splitting ongoing expenses with friends, things get messy fast. You covered lunch, they grabbed the Uber, someone bought groceries. Making a separate Venmo request for each expense is tedious and creates a wall of micro-transactions. With Nudj, all those expenses are tracked and netted out. Instead of six Venmo payments, you make one at the end of the week.
No bank account needed
Unlike Venmo, Nudj never asks for your bank details, debit card, or any financial information. It is pure tracking. This makes it ideal for groups where some members are uncomfortable linking bank accounts to apps, or for international friends who cannot use Venmo at all.
Track expenses without sending money
Nudj keeps the ledger. You choose how to settle. No bank connection required.
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