Split costs and settle up

Two ways to handle money

• Split it up: log what something cost and who's in on it. Split it evenly or by custom amounts, with one payer or several. It feeds the running tally of who owes whom.
• Pay me back: someone fronts a shared pot (the group house, the tickets) and the crew chips in toward it. It stands on its own and doesn't touch the split tally.

Attach a receipt (a photo or a PDF) to any cost. Receipts stay private to the crew.

Settling up

The trip's ledger adds everything up and works out the fewest payments to square everyone away, so nobody does the arithmetic. When you pay someone back, tap I paid this. They get a heads up and confirm it, and the debt is marked settled.

Paying each other back

Joinue never touches the money. Put your handle on your profile (Venmo, Cash App, PayPal or Zelle) and every settle-up row where somebody owes you gets a control that takes them straight to it. Leave it blank and the row still works, there's just nothing to tap.

• Venmo, Cash App and PayPal: a Pay button opens their app with you and the amount already filled in. One tap.
• Zelle: there's no link to open, because Zelle runs inside your bank's own app and goes by the email or mobile number you enrolled with. So the row shows that address with a Copy button, and you send it from your bank.

Either way, paying is the easy half. Come back and tap I paid this so the ledger knows, or the debt sits there looking unpaid.

Splitting with people who aren't on Joinue

Half a real crew never installs the app, and the money doesn't care. Anyone on the trip can be in a split, front a cost, or be paid back, account or no account. What needs an account is the plumbing around it: a reminder to settle, and a Pay button. Somebody who joined by link just isn't nudged.

Removing someone who still owes or is still owed says so, with the amount, and asks a second time before it goes through. Their share of what's already logged stays on the books either way, so the totals never quietly change.