Expenses & Ledgers

Personal Ledger, Shared Ledger, Project Ledger, card rewards, and Settle Up

How-to articles

Add an Entry and set a monthly budgetLog your daily expenses and income, set a monthly budget, and see how much you have left to spend. Split costs with a Shared LedgerA Shared Ledger for one-on-one chats or Groups works out who owes whom and how much. Create a Project Ledger (trips, events)Open a Ledger for a trip or an event. Supports foreign currencies and friends who don't use 24h. Solo Trip (a Project Ledger just for you)Traveling alone, or haven't found travel buddies yet? Open a Project Ledger that doesn't need a chat. Only you can see it. Edit an entryMade a mistake? No need to delete and start over: you can edit entries you logged yourself. If the Ledger has already been settled, members are notified. Cards and rewardsSave your credit cards' reward percentages. Choose a payment card when logging, and rewards are estimated automatically. No card number needed. Settle Up and mark as paid24h works out who pays whom with the fewest transfers. Once paid, one tap and you're settled. Snap a receipt to log expenses fastTake a photo of a receipt, and 24h recognizes the items and amounts on your phone. Confirm them to add to your Personal Ledger or a Project Ledger.

FAQ

How do I split costs?

Add an entry in the chat's Shared Ledger or a Project Ledger, then choose who paid and who's splitting it (split equally, custom amounts, or by ratio). The Settle Up page works out the fewest transfers needed. If an entry is wrong, the person who added it can open it and tap "Edit".

How do I record foreign currency?

When adding an entry to a Project Ledger, choose the currency and enter the exchange rate yourself (you can check your bank's posted rates). Next time, the last rate you used for that currency is filled in automatically. Later changes in the exchange rate don't affect entries you've already added.

Is there a limit on Project Ledgers?

Project Ledgers are open to everyone with no limit, on both the free plan and Pro.

How do I record that I've already paid?

On the Settle Up page, tap "Mark as Paid" on that transfer. Either the payer or the receiver can tap it, and whoever tapped it by mistake can undo it.

Does 24h transfer money for me?

No. 24h only records and calculates; it never handles any money. Please pay each other by bank transfer or cash.