BMD: Split Bills & Savings Live

BMD - Back Mes Do is the all-in-one app to manage money shared between people who matter — simply and with total trust. Split expenses, settle up with friends, create debt acknowledgments, run rotating savings groups and shared funds: BMD gives you everything you need to know who owes what, and settle up in one tap. ▸ SPLIT EXPENSES WITH FRIENDS, FAMILY & ROOMMATES Create a group, add expenses, and let BMD automatically work out who owes what. Perfect for roommates, a trip with friends, a weekend away, a night out, a group meal or the household budget. Even splits, by item or by percentage, real-time net balance. ▸ AI RECEIPT SCANNING Snap a photo of your receipt and BMD automatically extracts the amount and items. No more manual entry after shopping or a group meal. ▸ EASY SETTLE-UP BETWEEN FRIENDS No more "you owe me / I owe you". BMD tells you exactly how much to pay back and to whom, with the fewest transfers. Mark a repayment as settled, track history, keep everything clear. ▸ IOU / DEBT ACKNOWLEDGMENTS BETWEEN INDIVIDUALS Formalize a loan between friends or family with a clear IOU: amount, repayment schedule, witnesses, guarantors and a PDF record. If things get tight, the schedule can be renegotiated by mutual agreement. A serious yet friendly framework to lend or borrow without hurting the relationship. (BMD does not provide any loan or credit: the app simply formalizes an agreement between two people.) ▸ SAVINGS GROUPS: NJANGI, SUSU, AJO & SHARED FUNDS Run your rotating savings group — known as njangi, susu, ajo or chama in different communities — with turn order, bidding to swap your position, and full history. Also manage the shared fund of your association, family or group: contributions, expenses, approvals. Perfect for the rotating, trust-based savings practiced across many communities in Africa and Asia. ▸ BMD TRUST: TRUST YOU CAN MEASURE A verifiable trust score, based on your exchanges and repayments, backed by a PDF certificate. Reassuring for a guarantor, a witness, or a new member joining your savings group. ▸ MEETINGS & MINUTES Record group, fund or savings-group meetings and generate clear minutes shared with every member. ▸ MULTI-CURRENCY & 27 LANGUAGES Travelling, living abroad, or running a savings group across countries: BMD supports multiple currencies and speaks 27 languages. ▸ BUILT ON TRUST Real-time balances and settlements, notifications, full history. Your data is protected and encrypted in transit. BMD is made for: splitting a bill, managing a group budget, a kitty with friends, roommate expenses, a trip, an association, a family or community savings group, or a loan between individuals. Download BMD and turn shared money into a matter of trust, never tension.