The money apps split bills. PlanZippy plans the whole thing.

Every row is something the app does today. Payments are deliberately not one of them.

CapabilityPlanZippy
Groups for trips, homes and dinnersYes — as plans, any type
Add expenses, who paid, who sharesYes
Equal / exact / percentage / share splitsAll four + selected-subset splits
Balances + fewest-transfers settle-upYes, per plan and a global total on top
Multi-currencyYes
Join by link without installingGuest view via link for hashtag and seat flows
Recurring expensesYes (plans + personal to-do repeats)
Receipt photosPhoto attach now; scanning later
Plan types beyond money (trips, events, potlucks, rotas…)Yes — a card for each kind of plan
Itinerary with stops in orderYes
Suggest-and-vote / pollsYes
Tasks by category with owners, live status and progressYes
RSVP + plus-ones, date finderYes
Bring-list (potluck / group shopping)Yes
Rooms & flights compared in-plan (display only)Yes
Chat that belongs to the planYes
Pending-step reminders (no chasing people)Yes
Publish a finished plan for others to reuse + follow the creatorYes
Public hashtag plans with creator-set entry stepsYes
Claim Seat (limited seats, live counter, waitlist)Yes
My Turn token line for stalls and officesYes
Personal to-do under your profileYes
AI helper that drafts a plan from one sentenceYes (drafts only; humans confirm)
Handles paymentsNever — display only, by design