Antemate is a shared notebook for money between people who like each other. It is deliberately not a bank.
Equally. By exact amounts. By percentage. By shares, when two people had a room and one had a sofa. Equally but with an adjustment, for the one who also bought the coffees. Or item by item, so the person who had the wine pays for the wine.
One bill, three cards on it, split six ways — the ordinary end of a long dinner, and the thing most apps quietly cannot describe. Every payer and every share is recorded separately, and the remainder cents are handed out in a fixed order, so everyone's arithmetic adds up to the same total.
Every expense keeps the exchange rate from the day it happened, so a debt you agreed on Tuesday is still the same number on Friday. The group has one currency, you read your balances in yours, and neither of you has to do the conversion in your head.
Add an expense with no signal at all. It syncs when you land, in the order it happened, and it cannot be lost or counted twice on the way — which is the actual hard part, and why the ledger is built around it rather than having it bolted on.
Simplified debts collapse a tangle of four people owing each other into the smallest set of payments that clears it. Marking one done records it; the money itself moves in whatever app you already use, and Antemate points you at the right one.
Splitting one dinner with one person should not require naming a group first. Add them as a friend and split straight away — with the same balances, the same settling up, and the same history as anything else.
Add somebody by name and their shares count from the first expense. If they do join later, they take over that seat and everything already recorded is waiting for them. Nobody is blocked on everybody.
Every expense carries its own thread: what people said, and every edit, in one list in time order. "I thought that dinner was $16" is answerable by scrolling, not by remembering — and an edit record cannot be deleted, because a history somebody can delete is not a history.
Search across every group at once — by what it was called, what it cost, or who paid. And a breakdown per group: the total, your share, who has been fronting things, and where the money actually went. Both free; the obvious competitor charges for the first one.
A receipt becomes a split, line by line, for you to check before anything is written. A menu in a language you don't read comes back in yours with the prices converted. Both are metered, because both are a real cost per photograph — see pricing.
Link a trip you planned in Yanvara and watch planned against actual, day by day, while you are still on it. Antemate works completely on its own if you have never heard of Yanvara.
Dark mode, large text and a screen reader are not an afterthought here: a balance says which way it points in words, not only in colour, because about one man in twelve cannot tell our green from our clay.