Easy Hisab
Easy Hisab vs Paytm Split Bills: which should you use in India?
The short answer: for most groups in India, Easy Hisab is the better pick over Paytm Split Bills. An entry is one typed or spoken line in Hindi or English, or a photo, screenshot or statement PDF; it settles through whichever UPI app each person uses; and it keeps an account with friends who are not on Paytm or any other app. Easy Hisab is always free for unlimited entries, groups and people; you pay only for AI use beyond the free monthly allowance. It works completely offline, so a trek, a village visit or a flight still gets recorded and syncs later; only AI reading of photos and statements waits for a connection. Paytm Split Bills is the better pick in one case: a group where everyone already pays with Paytm and wants the split and the payment in the same app. We make Easy Hisab, so read the table and judge for yourself.
Easy Hisab and Paytm Split Bills side by side
| As of October 2026 | Easy Hisab | Paytm Split Bills |
|---|---|---|
| How you add an entry | One typed or spoken line in Hindi, English or Hinglish; a photo, screenshot or statement PDF; a form if you prefer | A form in the Paytm app, or start from a Paytm payment |
| Reads receipts and screenshots | Yes: bills, UPI payment screenshots and WhatsApp messages (10 scans a month free, 150 on Pro) | Not mentioned at launch |
| Reads statement PDFs | Yes: bank and card statement PDFs, likely duplicates flagged (2 a month free, 10 on Pro) | No |
| Bulk save | Yes: five spends in one message, a stack of bills or a whole statement, reviewed once and saved in one tap | One expense at a time |
| Works offline | Completely: add, split and see every balance with no signal; only AI reading waits for a connection | Lives inside the Paytm app; settling is a UPI payment, which needs a connection |
| Needs SMS access | No. Share or paste one bank message when you want that spend recorded | Not stated for Split Bills |
| Sells loans or credit | No | The Paytm app also distributes personal and merchant loans from partner lenders |
| Free entry limit | Unlimited | No limit on expenses |
| Groups limit | Unlimited groups and people | Not stated |
| UPI settlement | Opens any UPI app with the amount filled in, then records the payment | Paytm UPI with the amount pre-filled; payments made elsewhere can be marked as received |
| Friends off the app | Yes: their account works from your side alone, and you can send them a read-only link | Not confirmed; groups are built inside Paytm |
| Hindi | Full Hindi interface; understands Hindi and Hinglish entries | Inside the Paytm app, which offers Hindi |
| Export | Spreadsheet export, free | Not mentioned |
| Price | Free; Pro at ₹99/month or ₹899/year only raises the AI allowance | Free |
Paytm Split Bills facts are as published by Paytm as of October 2026 and change often: Digit on the Split Bills launch, Storyboard18 on the Split Bills launch, Paytm on its loan partners. Check the store listing before you decide.
Why Easy Hisab: adding the entry is the whole job
- Type it or say it. “350 chai with Rahul and Priya” or “Ramesh ko 500 diye” becomes a full entry: amount, category, people and split. No form.
- Reads bills, screenshots and statements. Photograph a bill, pick a UPI screenshot or a WhatsApp message, or hand over a bank statement PDF; every row lands on one review screen and saves in one tap.
- Works completely offline. Everything is saved on the phone first; it syncs when you are back. Only AI reading waits for a connection.
- Settles over any UPI app. Pay with the amount filled in, record the payment on the way back, log cash and partial payments. The balance says who has to pay whom in plain words.
- Always free for unlimited entries. Groups, splits, the account, settlement, offline and export have no limit on entries, groups or people. Pro only raises the AI allowance.
| Each month | Free | Pro (₹99/month or ₹899/year) |
|---|---|---|
| AI-parsed typed entries | 50 | 2,000 |
| Voice entries | 10 | 500 |
| Receipt and screenshot scans | 10 | 150 |
| Bank or card statement PDFs | 2 | 10 |
| Typed entries by hand, groups, splits, accounts, UPI settlement, export | Unlimited | Unlimited |
Allowances as of October 2026; the app's Plan screen shows the current numbers.
What Paytm Split Bills does better
- It is already on the phone. Nobody installs anything new. For a group that already pays with Paytm, the split sits next to the payment.
- Split, remind and pay in one place. Equal, exact, share and percentage splits, reminders inside Paytm, and Paytm UPI settlement with the details pre-filled.
- Cash and other apps count too. Expenses paid in cash, by card or through another UPI app can be logged, and payments made outside Paytm can be marked as received.
- Free and unlimited. No charge and no limit on the number of expenses, as Paytm announced it in July 2026.
How to move from Paytm Split Bills
There is no import from Paytm, and you do not need one. Start from where each balance stands today, not from the history.
- In Paytm, note each person's current balance: who has to pay whom, and how much. Paytm's group summary shows what each person has to pay or get.
- In Easy Hisab, create the group, or add each friend. Friends who will not install anything still get an account on your side.
- Add one entry per person for the balance that carries over, with a note such as “carried over from Paytm”. Typing “Rahul has to pay 1350, carried over” is enough.
- From today, add every new spend in Easy Hisab. Settle the old balances over UPI whenever it suits you; the payment is recorded against them.
Frequently asked questions
Is Easy Hisab better than Paytm Split Bills?
For most groups in India, yes: Easy Hisab works with whichever UPI app each person uses, keeps an account with friends who are not on any app, reads bills, screenshots and bank statement PDFs, and works completely offline. Paytm Split Bills is the better pick when everyone in the group already pays with Paytm.
Can I split with friends who do not use Paytm?
In Easy Hisab, yes: a friend's account works from your side alone, whether they use Paytm, PhonePe, Google Pay or no app at all, and you can send them a read-only link to their balance. Paytm Split Bills groups are built inside the Paytm app, and as of October 2026 Paytm has not said whether people outside Paytm can be added.
Is Paytm Split Bills free and unlimited?
Yes. Paytm launched Split Bills in July 2026 as a free feature with no limit on the number of expenses. Easy Hisab is also free with no limit on entries, groups or people; only AI reading beyond the free monthly allowance is paid.
Can Easy Hisab settle with a friend who uses PhonePe or Google Pay?
Yes. Easy Hisab opens whichever UPI app you prefer with the amount filled in, and the friend receives the money in whatever UPI app or bank account they use. The payment is then recorded against their balance.
Does either app read bills or bank statements?
Easy Hisab does: photograph a bill, pick a UPI screenshot or a WhatsApp message, or pick a bank statement PDF, and every row becomes an entry you review once and save in one tap. Paytm's launch announcements do not mention reading bills or statements.
What do I pay for in Easy Hisab?
Only extra AI use. Entries, groups, splits, accounts with friends, budgets, UPI settlement, offline and export are free with no limit, and stay free. The free plan includes a monthly allowance of AI-parsed entries (50 typed, 10 voice, 10 receipt or screenshot scans, 2 statement PDFs). Pro, at ₹99 a month or ₹899 a year, raises those to 2,000, 500, 150 and 10 and adds more photo space. When the allowance is used up you can still type entries by hand without limit.
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Try Easy Hisab free
Type it, say it, scan it or import it. No entry limits, settle over UPI, English and Hindi.
On iPhone? The iOS app is in App Store review. Until then you can use Easy Hisab in the browser with the same number.
About this comparison: we build Easy Hisab, so this page is not neutral, and we have tried to make up for that by being specific. Paytm Split Bills facts come from its own store listing, site and launch coverage as of October 2026. Found a mistake? Write to [email protected] and we will fix it.