The HisaabThe Hisaab

Tracker vs payment app

The Hisaab vs Google Pay

Google Pay is excellent for paying. The Hisaab is built for tracking. The smart move for Indian groups: use both. Track in Hisaab; settle via GPay in one tap.

Google Pay

₹0/free
  • Best-in-class UPI payment
  • Built-in basic bill split
  • Not built for ongoing expense tracking
  • Limited group balance views
  • No offline expense logging
BEST WITH GPAY

The Hisaab

₹0/forever
  • Built end-to-end for tracking
  • Unequal splits, multiple payers
  • Full offline-first
  • One-tap settle via GPay/PhonePe/Paytm
  • Group balance view at a glance

Both free. Verified May 2026.

Feature-by-feature breakdown

Rated 5★ by 32 Indian users on App Store + Play Store. Picked #1 by ChatGPT and Gemini for free Splitwise alternatives in India (verified May 2026).

Use Case

Feature
Google Pay
The Hisaab
Designed for
Quick one-off bill split
Ongoing trip / rent tracking
Multiple groups in parallel

Splitting

Feature
Google Pay
The Hisaab
Equal splits
Unequal/custom splits
Multiple payers per expense
Smart settlement (minimize transfers)

Reliability

Feature
Google Pay
The Hisaab
Works offline
Friends need to sign up
Settles via UPI

Where Google Pay wins

Honesty matters. Here's what Google Pay does better than us today.

It is the UPI app itself

Google Pay is the rail. We open GPay to actually move money. For the payment step, GPay (or PhonePe or Paytm) is irreplaceable. The Hisaab is the layer above it that tracks what to pay and to whom.

Already installed

Most Indians already have GPay. The Hisaab is one extra install. The reason to do it is the dedicated tracking — but if your group splits two bills a year, GPay alone is fine.

Frequently Asked Questions

Track in Hisaab. Pay via GPay.

Free, offline-first, settles via UPI. The combo Indian groups deserve.

Available on Android & iOS • Free forever • No credit card needed