BMD: Split Bills & Savings

BMD Studio

About this app

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.

What’s new

Stability fixes: improved offline screen (translated, faster reconnect), internal technical updates.