> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vantagewealth.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Bill Splitting

> Three modes for splitting expenses with friends and groups.

## Modes

### Equal split

The simplest mode. Enter the total, choose how many people, and Vantage divides it equally. Handles rounding automatically.

### Itemized split

Per-item assignment with shared costs:

1. Add items with prices
2. Assign each item to one or more people
3. Add shared tax % and service charge %
4. Vantage computes each person's exact share

### Smart split (OCR)

Point your camera at a receipt and Vantage:

1. Uses Google ML Kit (on-device OCR) to extract the text
2. Sends it to Claude Haiku to parse items, prices, tax, and service charge
3. Pre-fills the itemized split form automatically

Works with most printed restaurant receipts.

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## Groups

Create groups for recurring bill splits (e.g. housemates, regular dinner friends). Groups maintain running tallies of who owes whom, with a **simplify debts** algorithm that minimises the number of transactions needed to settle.

Example: 3 people, multiple shared bills → Vantage tells you the minimum payment graph (A pays B $12, B pays C $8) instead of tracking each bill separately.

***

## Settlement

Mark debts as settled via:

* **PayNow** (Singapore) — show QR code
* **UPI** (India) — show UPI ID
* **Cash** — manual confirmation
* **Bank transfer** — record reference

Settled debts are archived with a history log.