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 take a photo of the receipt, finerd reads the items, and you create a Checkpie. Drop the link in the group chat; your friends open it on their phones — no app needed — and each marks what they had. Split the shared pizza in two, leave the beer with whoever ordered it. finerd instantly works out who owes what — tax and tip included — and turns it into debts you just need to settle.
Owner and guests
A Checkpie has one owner — the person who paid the bill and created the Checkpie — and any number of guests.
- The owner reviews the receipt, shares the link, watches the split fill in, and completes it.
- Guests open the shared link, pick the items they ordered, and see what they owe. They join straight from the browser and don’t need a finerd account.
Items and charges
A receipt is made of two things:
- Items — the actual things on the bill, each with a quantity and price (a burger, two coffees, a bottle of wine).
- Charges — amounts added on top of the items: Tax, Tip, Discount, Service, Delivery, or a Custom charge. A tip can be a fixed amount or a percentage of the items.
Guests claim items. Charges are never claimed directly — they’re shared automatically.
How each share is calculated
Each person pays for the items they claimed, plus a fair slice of every charge. Charges are split in proportion to the items each person had, not evenly.
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
Items nobody claims stay unclaimed and are not charged to anyone. The dashboard flags them so the owner can chase them before completing.
Everyone splits in real time
Owner and guests see the same receipt live. As people join and claim items, the counts and amounts update on the spot — no refresh and no need to re-send the link.
Completing a Checkpie creates debts
When the owner completes the Checkpie, finerd rebuilds the original transaction so each person’s share becomes a debt: the money you’re owed is recorded against a debtor, and guests can mark their part as paid.
Completing a Checkpie is final. Once it’s completed, items and amounts are locked and guests can’t change their selections.
