Three things happen on a trip, in this order: you plan it, you spend money on it, you sort out who owes what. Kindiro is built around making each of those fast. Here's the whole product in three steps.
Create a trip — say, Islay 2026 — and pick the dates. Invite the rest of the group with a link; they sign in (free, just an email link, no password) and they're in.
Then add what's actually happening: the Friday flight, the cottage in Bowmore, the distillery tour on Saturday, dinner at the hotel, the ferry home Sunday morning. Build the days now, enjoy the trip later.
Islay 2026 — five people, three days. The schedule built out before anyone has paid for anything yet. Saturday's distillery tour will pick up its expense in the next step.
When someone in the group pays for something, they log it. They pick who actually went — not always everyone — the currency, and the day.
They can link the expense to a scheduled event, so the trip knows what the distillery tour cost versus what Saturday dinner cost. Multi-currency works the way you'd expect: each expense stays in the currency it was paid in, no mystery FX rates applied behind the scenes.
Marc paid £180 for the Bunnahabhain distillery tour on Saturday. Three of the group went. He picks them, picks the day, picks GBP — done. The tour is now linked to Saturday's schedule, and to those three people specifically. The two who skipped don't owe a thing.
£180 for the Bunnahabhain tour. Three names, one day, GBP. The trip knows the rest.
Whenever you want — usually on the way home — Kindiro works out the minimum set of transfers that clears everyone. Not "Marc owes Eric £14, Eric owes Sophie £14, Sophie owes Marc £14" — just the net moves.
Settlement is per currency, so the GBP and EUR ledgers are kept separate; no baked-in conversion to argue about. Kindiro doesn't take payments, hold money, or charge a fee on transfers. The settlement plan is the deliverable — you move the actual money on Revolut, Wise, a bank transfer, or however your group already does it.
The smallest number of transfers that clears everyone, per currency.
GBP
2 to make · Tap when sent
EUR
2 to make · Tap when sent
Five people, two currencies. The whole trip squares with four transfers — and Kindiro never sees a penny of the money.
No flight-email imports, no airline or hotel hookups, no auto-filled reservations.
The actual money moves on Revolut, Wise, or your bank. We don't touch it.
The web app works well on a phone — but it lives in your browser for now.
We'd rather do a few things well than a lot of things badly, and the things above are on that list for now.
No card required. EU-hosted. Leave any time, your data leaves with you.