Track shared expenses without awkward money conversations
Whether splitting rent with flatmates, dividing group vacation bills, or tracking shared family costs — Nivora keeps a transparent record of who paid, who owes, and settled balances.
Clear balance tracking for everyone involved
Eliminate confusion with per-person ledgers, instant settlements, and shareable summaries.
Per-Person Ledgers
Every person has their own dedicated ledger showing exact amounts borrowed, lent, paid, or received with running balance directions.
WhatsApp Reminders
Send a polite balance summary with a single tap to WhatsApp. No awkward conversations — just clear, verified numbers.
Public Statement Links
Generate a secure, temporary public link to a statement. The other person can review the last 20 transactions without needing an account.
Printable Statements
Need a physical or PDF record? Generate cleanly formatted printable account statements formatted for dispute-free settling.
Due Date Reminders
Set a repayment date for any shared balance. Nivora can send automated email reminders when a due date approaches.
Privacy-Protected
Your shared statements only display relevant balance info. Sensitive bank numbers and account IDs are never exposed.
Real-World Shared Money Scenarios
How thousands of people use Nivora to keep group finances healthy.
Rent, Wifi & Groceries
One person pays the internet bill, another buys household supplies. Nivora calculates net balances so you only settle the difference.
Group Travel Expenses
Keep track of hotels, rental cars, and group dinners during holidays. Avoid spreadsheet headaches after returning home.
Shared Household Spending
Maintain transparency across joint household budgets while preserving individual account independence.