When friends take turns paying, the person who paid the bill and the people who owe a share can be different. A Circle keeps those two facts together so everyone can see how the balance was calculated.
Record who paid and who shared the bill
Open the Circle for your trip or household and add the bill in the currency on the receipt. Enter the full amount, choose who paid and assign the shares to the people who took part. Leave out anyone who did not share that expense.
Suppose Priya pays ₹900 for dinner for herself, Dev and Anu. With an equal split, each person's expense is ₹300. Priya paid ₹600 on behalf of her friends. Dev owes her ₹300 and Anu owes her ₹300.
Check balances before sending money
Open the settle-up view to see who owes whom. Later bills can change the amount. If Dev also pays ₹240 for a taxi shared equally with Priya, Priya owes him ₹120 for the ride. Across those two bills, Dev owes Priya ₹180. Anu's ₹300 dinner share stays the same.
Record a repayment once
Check the recipient, amount and currency in your bank or payment app before approving the transfer. After the payment goes through, use Record payment in Finance Universe. For the example above, Dev records ₹180 paid to Priya. Recording the transfer as another dinner or taxi expense would count those costs twice.
In a shared Circle, a repayment recorded by one member appears for the other members when the Circle syncs. If someone has already recorded the transfer, check that entry before adding another.
Join a shared Circle
Ask a member for the Circle invite link or code. Open the Circle join page and follow the prompt to open Finance Universe on Android. Shared Circle members can see the bills and settlements you add. The privacy policy explains which records are shared.