Plan together. Split clearly. Enjoy more.

One workspace for the trip and the money — a real itinerary, an itemized bill split, and a settlement that says exactly who pays whom.

Create a plan See how it works

No credit card. Guests can join a plan without an account.

The ChipInPlan plan workspace for “Fernandes Family Reunion — Asheville 2026”: a photo hero showing $2,460.00 estimated, $2,022.67 spent and $1,540.37 left to settle beside a 32% group-readiness ring, a card flagging a receipt that needs review, and a readiness breakdown listing 1 unresolved decision and 4 remaining tasks.

The same plan on a phone: the photo hero with the readiness ring and the three money figures, then the “Needs your attention” card about the receipt that does not reconcile.

Every screenshot on this page is our seeded demo plan — real output from the app, a fictional family.

Or quick start

Split a billScan a receipt or add items Plan a tripItinerary, budget & tasks Use a templateWeekend trip, group dinner, more

Receipts

Split the bill line by line, not down the middle

Photograph the bill. ChipInPlan pulls out the items, and everyone taps what they actually had — with per-item flags for alcohol and no-tip, and unequal shares when someone only had a bite.

Scanning produces a draft for review, never a posted expense — a person confirms every line.
Assign in one tap: everyone, the adults, or exactly the people who shared it.

A receipt open for review: rows for Fried Green Tomatoes $12.00, Charcuterie Board $24.00 and Smoked Brisket Plate $28.50, each with alcohol and no-tip checkboxes, Everyone and Adults shortcuts, and a stack of diner avatars showing who the item is assigned to.

And it tells you when the bill doesn’t add up

Scanned items are checked against the printed subtotal, and low-confidence reads are flagged for a human to confirm. When the numbers disagree, ChipInPlan names both of them and refuses to finalize until it’s resolved — nothing reaches anyone’s balance on a guess.

Two summary cards side by side. Totals: items total $392.95, printed subtotal $320.95, tax $25.24, tip $20.00, service $57.77, discount $15.00, difference $72.00 in red. Reconciliation: 2 issues to resolve — the extracted items add up to a different amount than the printed subtotal ($72.00 over), and 1 item is not assigned to anyone — fix issues to finalize.

An OCR notes panel reading: extracted items add up to 392.95 but the printed subtotal reads 320.95 — a line may be misread; and “Cornbread Basket” was read with low confidence — please verify the price.

A settlement screen headed “You should receive $1,388.85” with the note “Settle up efficiently — only 10 payments to settle 11 people”, followed by transfer rows such as “Priya Nair-Fernandes pays Marvin Fernandes $191.15”, each showing the expenses behind the amount: cabin — 2 nights (deposit paid) −$160.00 and groceries & breakfast supplies −$31.15.

Settling up

Ten payments instead of fifty-five

Everyone’s share of everything collapses into the smallest set of payments that clears the group. Every row shows the expenses that produced it, so no one has to take the number on faith — and if the books don’t balance, ChipInPlan refuses to settle rather than inventing a correction.

ChipInPlan records what people report — it never moves money. Pending → marked paid → confirmed, with a note required on every dispute.

The plan itself

A day-by-day plan that says what’s missing

Times, places, booking references, who’s responsible, and what it’s expected to cost — in one timeline you can publish as a link or print. Nothing is invented to fill a gap: if a flight isn’t booked, it says so.

Double-booked someone? The plan flags it, on the day it happens.
Share it with the group — public links show the plan, never anyone’s balance.

An itinerary timeline for Friday, August 14: 3:00 PM “Arrivals & cabin check-in”, 3:00 PM–5:00 PM at Laurel Ridge Cabin, marked Confirmed, with Marvin responsible, reservation VRBO-88213 and a Directions link; then 6:30 PM “Welcome cookout at the cabin”, marked Not booked, with Brenda responsible and the note “Move to covered porch if raining”.

A schedule-conflict panel: James Whitfield is responsible for “Blue Ridge Parkway hike (Craggy Gardens)” and “Family photo session” at the same time on 2026-08-15, with Adjust time and Ignore buttons.

What we promise

Only what we can back up

Money apps tend to imply more than they do. Here is the whole list, and every line of it is a rule in the code rather than a slogan.

Private by default

Documents and photos are visible only to the plan’s members, and a published plan link carries no balances or email addresses.

Encrypted in transit and at rest

Every request travels over HTTPS, and the app reaches its database over verified TLS. The database and the storage behind uploads are both encrypted at rest. Uploads are checked by content, not just by file name.

We never move your money

ChipInPlan records what people report. There is no wallet, no payment rail, and nothing that can touch your bank account.

Your data stays yours

Export everything we hold as JSON, or delete your account, from Settings — no support ticket, no waiting period.

Start with the next thing you owe someone.

Scan one receipt, or plan a whole trip. Both take about a minute to start.

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