HisabAI vs The Hisaab: Which expense app fits your group?
The Hisaab offers free India-focused group splitting, offline entry, and UPI payment links on Android and iOS. HisabAI combines shared and personal expenses with voice entry, a family pool, spending insights, and a Tax Vault. Choose around the features you will use; HisabAI is in public beta.
Last updated: 2026-09-10
Public information for The Hisaab checked on 2026-09-10 (thehisaab.com). Based on the linked official website, not hands-on testing. Features and prices may change; “not confirmed” does not mean unavailable.
Choose HisabAI if
- • You want one app for both shared and personal expenses
- • You spend in India and use UPI to settle
- • You want AI-assisted logging (voice, receipt scan)
- • You track family/household spending, not just trip splits
- • You want a Tax Vault for receipts and documents
Choose The Hisaab if
- • You want free shared-expense tracking
- • You need to enter expenses offline
- • You want UPI settlement links
- • You mainly split bills with friends or flatmates
- • Your group already uses The Hisaab
Feature-by-feature comparison
| Category | HisabAI | The Hisaab |
|---|---|---|
| Core focus | Shared + personal expenses | Shared expenses and group balances |
| India-first design | INR-first, UPI workflows | India-focused, UPI settlement |
| AI-assisted logging | Voice input, receipt scan, summaries | Not confirmed on the public site |
| Group splits (equal / unequal / custom) | Yes | Yes |
| Family expense tracking | Family pool; no forced settlement | Not confirmed on the public site |
| Personal expense insights | Categories, trends, summaries | Not confirmed on the public site |
| Tax Vault (receipt/document storage) | Organises receipts; does not file taxes | Not confirmed on the public site |
| UPI settlement guidance | Opens preferred UPI app | UPI payment links |
| Platforms | Android, iOS | Android, iOS |
| Public privacy & data-retention pages | Privacy and data-retention policies | Privacy policy linked |
Pricing comparison
The Hisaab advertises free use on its public website. HisabAI offers Free, Plus, and Pro plans; check current plan details before subscribing.
| Plan | HisabAI | The Hisaab |
|---|---|---|
| Free | ₹0 — up to 3 active groups, basic tracking | Free, according to its website |
| Mid tier | Plus — ₹499/year; see pricing for limits | No paid tier advertised |
| Top tier | Pro — ₹4,599/year; see pricing for limits | No paid tier advertised |
India-first fit
A bill-splitting app meant for India should handle INR-first expense entry, fit UPI settlement habits, and cover roommates, PGs, families, and trips. HisabAI is built around these patterns:
- • Native INR currency and INR-first plan pricing
- • Settlement flow that opens your preferred UPI app for the actual transfer
- • Family expense tracking modelled on Indian household patterns (heads + categories)
- • Public Privacy Policy and Data Retention Policy hosted on hisabai.in
- • Built in India, supported in India
Privacy and data handling
HisabAI encrypts data in transit and at rest and does not store UPI PINs or bank credentials. Payments happen in your own UPI app. The Hisaab links a privacy policy on its website; review each service's policy before sharing financial data.
Final verdict
The Hisaab offers free India-focused group splitting, offline entry, and UPI payment links on Android and iOS. Choose HisabAI if you also want personal spending insights, family pool tracking, and receipt organisation in one app. Review paid-plan limits for the features you need.
Frequently asked questions
Is HisabAI an alternative to The Hisaab?
Yes. HisabAI supports shared bill splitting and adds personal expense tracking, AI-assisted entry, family pools, and a Tax Vault. Choose based on your group’s needs and plan limits.
Does HisabAI support UPI payments?
HisabAI records settlements and can hand off to your preferred UPI app (PhonePe, Google Pay, Paytm, etc.) for the actual payment. HisabAI is not a payment processor and does not store UPI PINs, bank credentials, CVVs, or full card numbers.
Which app is better for Indian roommates and PGs?
Both apps can track shared bills. The Hisaab is worth considering for free group splitting; HisabAI is a fit when you also need personal expense insights and household tracking.
Can I track personal expenses, not just shared ones?
HisabAI tracks personal and shared expenses with category trends and summaries. Check the other app’s current workflow if a separate personal ledger is essential to you.
Can I export my data?
HisabAI offers exports on paid plans. Check the pricing page for limits. Export options for The Hisaab were not confirmed from the linked homepage; check with its support before relying on them.
Is HisabAI free?
Yes. HisabAI Free covers basic expense tracking and up to 3 active groups. Plus and Pro plans add AI features, higher limits, and family groups.
More comparisons
Try HisabAI free
Track shared and personal expenses, split bills with friends and family, and let AI handle the boring parts — without spreadsheets.
Get the appGet HisabAI
Join the Public Beta and start tracking in minutes.
Support: support@hisabai.in
Business: hello@hisabai.in
HisabAI does not store your UPI PIN or bank credentials.