YAARA / FOR FRIENDSFrom after class to after hours.

Keep the friendship.Clear the little amounts.

Lunch after class. Dinner on a whim. A birthday everyone’s in on.

Yaara helps friends track shared expenses, split bills by agreement and record money paid back. From college lunch to weekend plans, keep the money details with the people who shared them.

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The little things,
together.
Friends sharing dinner and conversation at an outdoor café.
Always room for one more story.
Four friends walking from campus together with snacks and books.
The people part comes naturally.

THE PLACES CHANGE. THE LITTLE MOMENTS DON’T.

Good friends.
Familiar questions.

Shared expenses are costs two or more friends agree to share: a meal, a ride, project supplies or a gift. The challenge is keeping the payer, participants and each person’s share clear when plans overlap.

Consumer Research: According to Bankrate consumer lending studies, 46% of adults who lent money to friends or family never got fully repaid, and 37% lost money. Yaara keeps personal loans and shared restaurant bills clear from day one, so friendships stay intact.

01 / AFTER CLASS

“I’ll get lunch.
What’s everyone’s share?”

School canteen snacks, college lunch or chai after a university lecture: one friend pays, then everyone heads to the next class. Later, the amount and who joined can be hard to remember.

A place for the bill.

In Yaara, record who paid, include the friends who joined and add their agreed shares. Keep the receipt with the expense when it helps.

For example: a PKR 1,800 lunch split equally by three friends is PKR 600 each. If you paid, the other two each owe you PKR 600 before repayments. A receipt and clear shares make the bill easier to revisit.

See more of student life
02 / OUT FOR DINNER

“We didn’t all
order the same thing.”

Some shared a platter. Someone only had chai. An equal split may not match what your friends agreed to share.

Agree on the share, not the guess.

Use item-based, exact or percentage shares in Yaara to match the agreement for that meal. The person who paid and each person’s part stay in the same record.

Before you add the bill, agree which items were shared and how to divide service charges or other extras. Record the final agreed amounts so “I only had chai” doesn’t become a calculation everyone has to repeat.

03 / THE RIDE HOME

“That ride was
just for us two.”

Your group has four friends. Only two took the ride. Being part of the group doesn’t make every expense everyone’s responsibility.

Include the people who shared it.

Choose only the two riders as participants in Yaara. The four-person group can stay together; this expense belongs to the people who took the ride. Use the same approach for a delivery or an activity only some friends joined.

For the longer way home
04 / THE GROUP PROJECT

“I bought the materials.
You paid for printing.”

A class project can mean poster sheets, model supplies, printing and a ride to collect everything. Purchases made by different friends get buried in the project chat.

Keep project costs with the project.

Create a Yaara group for the team. Add each shared purchase with its payer and the classmates who agreed to contribute. Keep receipts with the relevant costs and record repayments separately from new purchases.

Decide the shared items and shares before buying. A clear record lets your next conversation focus on what still needs doing, with the costs easy to check.

More shared costs in student life

SAME YOU. DIFFERENT CIRCLES.

A group for
your kind of together.

A Yaara group keeps shared costs with a particular circle or plan. Use one for your usual friends and another for a project, birthday or trip, so unrelated purchases don’t get mixed into the same story.

The lunch crowd.

The weekend lot.

The old-school circle.

A few ideas for the groups you make.
  1. 01

    Choose a circle or a plan.

    Create a group for your lunch crowd, project team or weekend plan. Agree what belongs in it. Group membership is the wider circle; each expense can still include only the friends who shared that cost.

  2. 02

    Make each expense understandable.

    Add what the purchase was for, the amount, who paid and the agreed shares. Keep the receipt when it explains the bill. This gives everyone with shared access the context to understand the record later.

  3. 03

    Keep repayments in the story.

    Pay each other using your usual method, then record the repayment in Yaara. A part payment belongs against what was owed; it is not another shared purchase. Check the remaining amount before your next payment.

A wrapped gift with cobalt ribbon, a small birthday cake and chai cups on a café table.
For the person you’re celebrating.

THE BIRTHDAY EVERYONE’S IN ON

One good gift.
A shared little effort.

You buy the gift. Ayesha sorts the cake. Some friends are sharing both, while others agreed to the gift only. A single “everyone owes the same” message can lose those details.

Give the birthday its own Yaara group. Record the gift and cake as separate expenses, each with the people contributing and the shares they agreed. That keeps the plan together while making each purchase clear.

One simple example.

One gift.
Three agreed shares.

For example, you, Ayesha and Hamza agree to share a PKR 3,000 gift equally: PKR 1,000 each. If you paid, Ayesha and Hamza each owe you PKR 1,000 before repayments. Record a separate cake purchase with its own participants.

Illustrative contributors. Include the friends who agreed to share the purchase.

AND THE SMALL FAVOURS

A little lent.
Worth remembering.

“Can you spot me till Friday?” is different from a shared dinner bill. Keep a personal loan separate, with the amount lent and any repayments that follow.

Yaara records money lent and payments back in parts. Repay each other the way you normally would, then record what was returned.

“Thanks for spotting me.
I’ve sent some back.”
  1. You lend HamzaPKR 1,500
  2. He returnsPKR 500
  3. Still to receivePKR 1,000

An illustrative personal loan. A partial repayment keeps its place in the story.

A LITTLE CLARITY GOES A LONG WAY

Keep it simple.
Keep being friends.

How to keep shared expenses clear with friends: agree the cost, record its details, then record money returned. These habits work for a quick lunch and for plans that last several weeks.

01

Say what’s shared.

Before someone pays, agree who is involved and whether the share is equal, exact, item-based or a percentage. A meal, gift and ride can each have a different agreement.

02

Add it while it’s fresh.

Keep the amount, payer, participants and shares with the expense. Attach a receipt when it explains the details.

03

Remember the money back.

After a friend sends money outside Yaara, record the repayment, including part payments. Agree when to review the group so small amounts don’t depend on a long chat history.

Glad you
asked.

The little questions,
cleared up.

Can Yaara help with school, college or university project costs?

Yes. Create a group for the classmates sharing the costs, then record materials, printing and other agreed purchases separately. Include the relevant contributors for each expense, keep useful receipts and record money paid back. Yaara tracks the shared costs; project tasks stay with the tools your team already uses.

How do we share a birthday gift when some friends also buy the cake?

Keep the gift and cake as separate expenses in the birthday group. Choose the contributors and agreed shares for each purchase. Someone can share the gift without contributing to the cake, and repayments can be recorded as they come back.

What is the difference between a shared expense and lending a friend money?

A shared expense divides a purchase among the people who agreed to share it. A personal loan records money you lent to one person to return. In Yaara, keep the loan separate from group bills and record repayments, including part payments, against it.

How can friends keep track of shared expenses?

Record each expense with the amount, who paid, who shared it and their agreed shares. Record repayments when they happen. Yaara keeps shared costs and repayments together so lunch, dinner and other plans don’t rely on one friend’s memory.

Can I create different groups for different friends?

Yes. Use Yaara groups for different circles or a specific plan, such as college friends, a birthday gift or a weekend away. Choose the participants for each expense within the group.

How do we split a restaurant bill when orders are different?

Agree on each person’s share, then record item-based, exact or percentage shares in Yaara. An equal split is also available when everyone agrees it fits the bill.

What if a friend skips a meal or a ride?

Include only the people sharing that particular expense. Someone can belong to your friend group without sharing the cost of every activity.

Can I record a small loan to a friend?

Yes. Keep personal loans separate from shared bills. Record the amount lent and any repayments, including partial repayments, to see what remains.

Does everyone need a connected account?

You can keep personal records for contacts without connected accounts. For another person to access shared records, they need the appropriate connection or group access.

Does Yaara send or collect the money?

No. Yaara keeps the record of expenses, money lent and repayments. Pay each other through the method you normally use, then record the payment back.

Where can I download Yaara?

Yaara is 100% free to use on Android. You can download the latest Android APK directly using the download buttons on this page.

100% FREE · NO SUBSCRIPTIONS · NO HIDDEN FEES

More good company.
Less to keep in your head.

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