Telegram bot — LIVE now · iOS app — coming soon

The running tab
that settles
itself

58% of Gen Zers split bills with friends weekly. The problem isn't splitting — it's remembering who owes what, three months later. bean settles the running tab quietly, so you never have to start that conversation.

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Try it free on Telegram · Free to start · No credit card

9:41

bean

-$127.50 you owe

Sam Lee

$127.50

RECEIPT Scanned ✓

WHOLE FOODS

123 Market St, Brooklyn

2026-05-10 14:32

Organic Chicken$42.80

Mixed Vegetables$28.50

Pasta$6.90

Wine$24.00

Bread$8.50

TOTAL $110.70

Pip AI Just now

Receipt scanned! Total: $110.70. Found 5 items. How do you want to split?

Split evenly between me, Mike and Sam

✅ Done! $36.90 each. Saved to Groceries.

Your Household

Mike Chen

Partner

+$89.20

owes you

Sam Lee

Roommate

-$127.50

you owe

Alex Kim

Friend

$0.00

settled

Venmo is great. Until it's not.

Splitting at the table is easy. It's the "$127 you owe me from March" nobody wants to bring up three months later.

The running tab nobody tracks

The average 20-something loses $370/year to unpaid IOUs. Three months of dinners, groceries, utilities — the math is nowhere. You both know something's off — but nobody wants to do it.

Venmo solves payment, not math

Splitting at the table? Easy. But Venmo doesn't track who's ahead over time. You settle one dinner and forget to settle everything else.

Nobody wants to bring it up

"Hey, you still owe me from March." Sounds simple. Feels weird. 43% of Gen Zers have lost a friend over money ambiguity. So it slides. And slides. Until you've got a $400 balance and everyone's pretending.

Just chat it. No forms. No math.

bean keeps the running balance — so you split anything, any time, without the spreadsheet or the awkwardness.

Tracks the running tab, silently

Add expenses as they happen. bean keeps the running balance between you and each person — no forms, no math, no awkwardness.

Roommates Trip friends Couples

Receipt scan in 20 seconds

Snap a receipt. Our AI (Pip) reads it, extracts the items, and asks how you want to split — all in seconds. No manual entry, no categories, no friction.

Just say it in chat

"Split the $240 sushi dinner between me, Mike and Sam." That's all. No dropdowns, no categories, no menus. Just type it like you'd text a friend.

Settles up the smart way

bean finds the fewest transactions to get everyone to zero — not just "who owes what," but the optimal path. One tap, Venmo sent, done.

Three steps. No spreadsheets.

Set up your crew

Add your people — roommate, best friend, partner. One tag per person. bean remembers how to talk to each one.

Add expenses as they happen

Snap a receipt, type it out, or just say it. Split evenly, by item, or custom — whatever makes sense in the moment.

Settle up without the weirdness

See exactly who owes what. bean suggests the smart way to settle — minimum transactions, no awkwardness.

No more mentally tracking who owes what

Venmo solves payment. Splitwise tracks expenses. bean tracks the relationship — and settles without the awkwardness.

Feature	Venmo	Splitwise	bean
Running tab tracking	None	Manual, per-expense	Automatic
Receipt scanning	None	Manual entry only	AI scan + split
Add expense	Per-transaction	Forms & dropdowns	Just chat
Settlement logic	You figure it out	Lists who owes what	Smartest path to zero
Tone	Payment at point of sale	Neutral / transactional	Relationship-aware
Remember who paid	You track it mentally	Manual entry	Always knows
Settles without awkwardness	You bring it up	You bring it up	No awkward conversation

Venmo is great for paying your share. bean is great for everything after.

Start free. No credit card.

We're building in public. Your feedback shapes what ships.

Free

$0 /month

5 receipt scans/month
8 manual expense entries
3 fixed recurring expenses
20 AI chat conversations/month
Running tab tracking

Coming Soon

Pro

$5 /month

Unlimited receipt scans
Unlimited expense entries
Unlimited fixed expenses
Unlimited AI conversations
Multi-currency support
Export to CSV

Our story

We got sick of the "you still owe me from March" conversation

My roommate Mike and I split everything — rent, groceries, utilities, the occasional concert ticket. But every time it came time to settle up, we'd both pretend it wasn't happening.

Not because we didn't care. Because asking felt worse than just letting it go. We'd Venmo each other and immediately feel weird about it. "Was that too much? Too little? Did I already pay you back for the electric bill?"

So we built something that does it for us. No forms. No awkward notifications. Just a quick chat, and it figures out who owes what and suggests how to settle. Now we're making it available to anyone who's ever been in that exact situation.

Shawn & Mike

Co-founders, bean

Mike Chen

Roommate · Brooklyn

"Yo you got the electric bill?"

"Yeah I got it. $140. Want me to split it in bean?"

"Wait what"

✓ Done. $70 each. You're all set.

No awkward follow-up. No Venmo request. Just done.

Building in public

The Telegram bot is live

No polished launch. No fake waitlist numbers. We shipped — and real people are already using it. Now we're building the iOS app, and your feedback shapes what ships.

Telegram bot — LIVE

Already running. Add expenses by chat, scan receipts, settle up — all without downloading an app.

iOS app — coming

500 signups = we ship the native app. Below that, we pivot or pack it up.

The goal

Find 500 people who are tired of the running tab nobody tracks. That's the whole goal.

The running tab that settlesitself