Split expenses like a paper ledger.
Klovo is the shared-ledger app for tracking expenses with friends — every entry, every balance, kept like the books have always been kept. Just on your phone.
You're settled up
with Sam
Alex added Dinner
$42.50
Some things are worth writing down. What everyone owes each other is one of them.
Multi-currency
Add a dinner in euros. Settle up in dollars.
Log an expense in whatever currency you actually paid in — Klovo converts it and keeps every balance straight in one shared currency, automatically.
- ✓Live exchange rates
- ✓150+ supported currencies
- ✓No manual math
Dinner in Lisbon
€42.00
Venmo settle-up
When it’s time to pay, Klovo hands it off.
No separate app to open, no copying numbers by hand. Klovo opens Venmo with the right amount already filled in — you just confirm.
- ✓One tap to Venmo
- ✓Amount pre-filled
- ✓Or just mark it settled
You owe Alex
$24.00
Simplified debts
Nobody moves money twice.
Klovo nets every balance across a whole ledger down to the fewest payments possible — so three people owing each other five different amounts becomes one.
- ✓Fewer payments
- ✓Nothing double-counted
- ✓Clear at a glance
Simplified to 1 payment
Shared ledgers
Every group gets its own running record — activity, balances, and members, all in one place.
Smart notifications
Get pinged when someone adds an expense or settles up — nothing else.
Private by default
Your phone number and email stay yours. Only what you add to a ledger is visible to that ledger.
How it works
Open a ledger
Start a shared ledger for a trip, an apartment, or any group of people splitting costs together.
Add expenses
Log what was paid, by whom, and how it splits — equally, or exactly however you agreed.
Settle up
Klovo works out who owes whom, simplified to the fewest payments — then hands off to Venmo to pay it.
Questions
Yes — Klovo is free to use.
No. You can settle up with Venmo for a one-tap handoff, or just mark a balance as paid however you and your friends actually settled it.
Your phone number and email are never shown to other users. Only the ledger activity you add yourself is visible to people you share a ledger with.
Split the bill. Keep the friendship.
Klovo is currently in beta on iOS. Questions, feedback, or just want to say hi?
Get in touch