Wallets & transactions
Create wallets for cash, bank accounts, credit cards and savings. Every transaction gets exactly one category.
- Two-level categories with a ready-made default set
- Transfers between wallets never skew income/expense reports
Personal spending · Group bills
Know where your money goes.
Know who owes whom.
Kredo puts a personal spending log and group bill splitting into one web app. Track multiple wallets, set budgets, split bills with friends — then settle up with a single VietQR code.
Usable the moment you land: enter your email, get a 6-digit OTP — no password, no sign-up step.
VI/ENbilingualInstall it like an app on your phoneVND · SGD · USD · HKD
2 in 1
Spending log + group splits
4 ways to split
Equal · exact · % · shares
0 passwords
Email OTP, magic link, passkey
1 QR code
VietQR with the exact amount
Features
All your money in one place
From the morning coffee to the group trip — log it once and wallet balances, budgets and debts update themselves.
Group bill splitting
Trips, dinners, shared homes: several payers, four split methods, and leftover cents rounded fairly.
- “Who owes whom” updates instantly
- Simplify debts: the fewest transfers possible
Friends
See your total balance with each person across every group, by currency. Settle everything in one tap.
- Friends without an account can still join a group
- Email reminders with a one-tap link
Budgets & goals
Set limits per category and get warned at 75% and when you go over. Track savings goals with clear progress.
- Monthly reports and category breakdowns
- Net worth chart over time
AI-assisted entry
Type “coffee 45k this morning” or snap a receipt — Kredo fills in amount, date and category. You always review before saving.
- Recurring transactions: rent, Netflix…
- Auto-categorisation rules
Banks & VietQR
Receive bank activity via Casso/SePay or import CSV/OFX into an inbox for review. Generate a VietQR with the exact amount owed.
- Import history from Money Lover and Splitwise
- Banks in Vietnam and Singapore
Group bills
Split bills clearly, no mental math
One person pays upfront and Kredo handles the rest: who owes what, who should pay whom, and a record of every change.
Friends get an email with a one-tap link
No app to install, no password to remember — tap the link, see your share and mark “I've paid”.
An activity log for the whole group
Every add, edit and delete is recorded with old and new values.
Default ratios & recurring bills
Sharing a flat 60/40? Save it once and rent and utilities are added every month.
Chicken hotpot
Da Lat weekend · paid by Minh
₫1,200,000
- Minh₫300,000
- Lan₫300,000
- Hùng₫300,000
- Vy₫300,000
- Minh₫450,000
- Lan₫250,000
- Hùng₫250,000
- Vy₫250,000
- Minh40%₫480,000
- Lan20%₫240,000
- Hùng20%₫240,000
- Vy20%₫240,000
Shares add up to the total
Suggested settle-up
6 transfers → 2
- LanMinh₫600,000
- HùngMinh₫300,000
Get started
Three steps to get going
- 1
Log in with your email
Enter your email and get a 6-digit code. Next time, log in with one tap using Face ID or fingerprint (passkey).
- 2
Create wallets and groups
Add wallets with their current balance, or import your history to keep your data.
Money Lover CSVSplitwise CSVBank CSV/OFX - 3
Log and split
Add an expense; friends get an email with their share. Your part lands in your personal log, in the right category.
Bilingual emailVietQR
Guide
How to use Kredo
Quick guides for the things you do most. Paths in the app are shown in bold.
Track your personal spending
Set up once; after that, each expense takes seconds.
- 1Create a walletGo to Wallets → Add wallet. Pick a type (cash, bank, credit card, savings), currency and current balance.
- 2Add a transactionTap + → choose Expense, Income or Transfer → enter amount, category and date. Or type a sentence and let AI fill it in.
- 3Set a budgetGo to Budgets → pick categories and a monthly limit. Kredo nudges you at 75% and when you go over.
- 4Check your reportsOverview shows this month's income and spending; Reports shows monthly trends and category breakdowns.
Split with a group
For trips, dinners, shared homes — or just two people.
- 1Create a group and invite peopleGo to Groups → New group. Invite by email; people without an email can be added by name.
- 2Add an expenseChoose who paid, then split equally, by exact amounts, by % or by shares. Kredo makes sure the totals match.
- 3Track balancesThe Balances tab shows who owes whom. Turn on Simplify debts for the fewest transfers.
- 4Record a paymentTap Settle up and choose cash or bank transfer (with VietQR). The recipient has 7 days to confirm.
Tip: your share of a group expense is added to your personal log with a “From group” label — don't log it twice.
Connect your bank & get paid with VietQR
Kredo only reads transactions — it never moves money for you.
- 1Vietnamese banksSettings → Bank → connect Casso or SePay. Balance changes arrive in your Inbox for review.
- 2Singapore & other banksExport a CSV/OFX statement from your bank → Transactions → Import → map columns → preview → save.
- 3Review your inboxEach item comes with a suggested wallet and category from your rules. Accept, ignore, or match it to an entry you added by hand.
- 4Turn on VietQRAdd your bank and account number in Settings — people who owe you will see a QR code with the exact amount and note.
Recommended: link only your day-to-day spending account, not your main savings account.
Move over from another app
Keep your history without re-entering it.
- 1From Money LoverExport a CSV in Money Lover → Settings → Import → map old categories to Kredo's → preview → import.
- 2From SplitwiseExport each group's CSV → open the group in Kredo → Import → map members. Balances match Splitwise after import.
- 3No duplicatesAlready-imported transactions are recognised and skipped if you import the same file again.
Security
No passwords. No money moved for you.
Kredo is built for personal financial data: store as little as possible, and protect what has to be stored.
Email OTP & passkeys
6-digit codes expire after 5 minutes and work once. Codes and tokens are stored only as hashes.
Session control
See every device that's logged in and revoke any of them at any time.
Read-only banking
Payments are only recorded. Kredo never holds or moves your money.
Encrypted backups
Data is backed up daily and encrypted before it leaves the server.
FAQ
Questions, answered
Who can use Kredo?
Anyone with an email address. Sign in with the OTP code sent to your inbox — no sign-up, no password. If a friend already added you to a bill-splitting group, log in with that same invite email and your data will be waiting.
Do I need to sign up or create a password?
No. Just enter your email and the 6-digit code we send. You can then turn on a passkey to log in with Face ID or fingerprint.
Can friends without an account split bills?
Yes. Add them to a group by name or email. When they log in with that email, all their expenses and balances move to their account automatically.
Does Kredo transfer money for me?
No. Kredo only records that a payment happened. To pay quickly, scan the VietQR code — amount and note pre-filled — with your banking app.
Is there a mobile app?
Kredo is a web app that works well on phones. In your browser, choose “Add to Home Screen” to use it like an app.
Which currencies are supported?
Each wallet and group has its own currency, e.g. VND, SGD, USD, HKD. Net worth is converted to your default currency.
I use Money Lover or Splitwise. Can I switch?
Yes. Export a CSV from your old app and import it into Kredo; map categories or members and preview before saving.
All you need is an email. Jump in.
Enter your email, get a code, and you're in — no sign-up, no password.