Who paid for what, who still owes whom – and where does the money actually go?
Split expenses evenly, by percentage, by share or exactly – patchio totals up balances and simplifies debts into as few payments as possible.
Subscriptions and contracts keep running even when nobody needs them any more.
The contracts tool bundles subscriptions and contracts with documents and cost shares – and the cancellation radar reminds you of notice periods in time, before anything renews.
Several accounts, shared and private expenses – it's easy to lose the thread.
The multi-account model keeps your accounts and categories apart, and with an opening balance every account card shows the current balance with a trend line for the last twelve months. The standing order helper, recurring expenses and settling shared fixed costs keep everything tidy.
Are you actually spending more on groceries lately – or is it just in your head?
Insights show every category with its share, the comparison with last month and the trend over twelve months – switchable between “just me” and “together”. A Sankey diagram shows where the money flows, annual bills can count in exactly the month they're due, budgets with a traffic light warn you before a pot tips over, and savings goals fill up automatically towards a car, a holiday or a renovation.
Receipts go missing, and copying them out is a chore.
Attach a receipt photo or import your bank statement: patchio reads CSV, CAMT XML and Excel files, recognises Sparkasse, N26 and Revolut by itself and shows you every transaction for review before anything is added. The file is only read in your browser and never leaves your device – patchio needs no bank connection. The optional AI categorisation sorts entries for you, using as little data as possible, if you turn it on.
