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The easiest way to understand CheckPie is a regular dinner with friends. Picture five of you splitting dinner at a pizza place, and the waiter brings one bill for the table. One person had just a salad, another had pizza, beer, and dessert, and one pizza you ordered to share. Splitting it evenly wouldn’t be fair. You photograph the receipt, finerd reads the items, and a CheckPie appears. Drop the link in the group chat; your friends open it on their phones — no app needed — and each taps what they had. Split the shared pizza four ways, leave the beer with whoever ordered it. finerd works out who owes whom, tax and tip included, and reduces it to the fewest payments that settle the table.

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Who’s in a split

Whoever scans the receipt starts the CheckPie. Everyone in it is a participant — you included. Participants join from the link in a browser and need no finerd account and no app. There’s no privileged reviewer. Anyone in the split can fix an item, add a service, or add a participant, and everyone sees the change immediately. Only the person who started it can delete a receipt or the CheckPie itself. People can also come and go. Any member can take themselves out with Leave the checkpie, or remove a guest with Remove from the checkpie. Removing another finerd user is the organiser’s alone, and the organiser’s own seat can’t be removed at all. What happens to that person’s share depends on who left. A guest’s picks and payments go with them, and whatever they had put towards the bill is moved onto whoever paid the most, so the receipt is still fully paid for. A finerd user who leaves is replaced by a placeholder carrying their name, marked as gone, which keeps their picks and payments exactly where they were — nobody else’s total moves.
Deleting a CheckPie removes it for everyone who joined, along with their items, payments and receipt photos. There’s no undo. Deleting a single receipt is narrower — its items go, and the CheckPie stays.
Transactions you already synced to finerd survive it. They keep the money booked and simply stop pointing at the CheckPie, losing the item-by-item breakdown that came from the receipt. Any Apple Wallet cards are pushed to zero so they read as paid and retire themselves, rather than freezing on the balance of a split that no longer exists.

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Items and services

A receipt is made of two things:
  • Items — the actual things on the bill: a burger, two coffees, a bottle of wine.
  • Services — amounts added on top of the items: Tax, Tip, Discount, Service, Delivery, or Other. One of each, and a charge finerd couldn’t classify counts as Other. A tip can be a flat amount or a percentage.
People claim items. Services are never claimed directly — they’re shared out automatically.

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Shares

Every item is divided into shares. One share is the whole line by default; set a bottle of wine to four shares and four people can take one each. The card always shows the line’s full price; open the item to see the price per share. Tap an item to take a share of it. Take two shares of a three-share platter and you pay two-thirds. Changed your mind? Give back a share puts it back in the pool. More people can pile onto a line than it has shares, and that never inflates the bill — the same money just divides further. Three people on a two-share plate of pizzas pay for two pizzas between them. A line with shares nobody has taken is still open. The banner under the items counts them — [n] items left to claim — and Jump to unassigned takes you to the first one.
Shares nobody claims are charged to nobody. That’s a gap in the split, not a rounding error, so chase them down before you settle up.

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How each share is calculated

Each person pays for the shares they took, plus a proportional slice of every service. Services follow the items, not the headcount. For a $100 bill — $90 of items and $10 tax — where two people each claim $45 of items:
  • Items: $45 each
  • Tax: $10 × ($45 / $90) = $5 each
  • Total: $50 each

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Who paid, and who owes whom

Claiming items says what you consumed. Who paid says where the money actually came from — add a contributor for each person who put money down, and how much. From those two sides finerd nets everything out and reduces it to the fewest transfers that settle the table. If you paid the whole bill, everyone owes you. If two of you split the payment, some people pay one of you and some the other, and nobody moves money around in circles. Each person then closes their side: pay through one of the options the other person offers, or record it yourself with Mark as paid or Paid in cash. Pay later leaves the amount open instead, and on an Apple device it offers a guest an Apple Wallet card that keeps showing what’s left. See Settle up and debts.

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Everything is live

Everyone sees the same receipt at the same time. As people join and take shares, the counts and amounts update on the spot — no refresh, no re-sending the link.

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It becomes a transaction when you say so

A CheckPie stands on its own. It isn’t in your books until you choose Sync with finerd transaction, at which point finerd writes the transactions and categorises every line of the receipt. Participants who aren’t yet debtors in your finerd space are matched first — link each to an existing debtor or add them as new. Nothing is ever locked. Keep editing afterwards and Update transaction pushes the changes across.

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Further reading