About us
Jozzo is where friends, flatmates and families share experiences - and what they spend on them: the movie on Friday, the trip, a habit kept together, the flat's list, the running tab with the milkman. When something stays open, Jozzo reminds the person it belongs to - and, if it stays open, lets the group see it too.
Most of us already have an app for splitting bills, another for streaks, and a group chat where the shopping list goes to die. They all solve the same problem - a small promise that slips - in four different places.
Jozzo puts them under one gentle reminder system. A missed gym check-in, an unpaid split, your turn to buy groceries and an unsettled tab all follow the same pattern: a quiet reminder first, and only later a nudge the rest of the group can see.
Jozzo never holds or moves money. It keeps the record and helps you pay through your own UPI app.
The one mechanic
It's on the list
Someone owes, someone's due, something's to buy. Nothing is sent yet.
A quiet nudge
Just to the person it belongs to. Most things close here.
The space can see
Friends can tap Nudge. Not shaming - just not letting it disappear.
Louder
A louder reminder, then one every few days until it's done.
Same loop, four flavours
Habits
Habits, not reminders.
Shopping
One list, whoever's out.
Money
Split any way. Settle over UPI.
Tally
The milkman. The maid. The tiffin.
Never touches your money
Payments happen in your own UPI app. Jozzo keeps the record.
No ads, no data sale
Your group's business stays your group's business.
Private by default
Private spaces don't show up anywhere. Search never reveals an email or number.
Nothing marked read
A reminder disappears when the thing is done - not when you swipe it away.
Who builds it
Jozzo is designed, built and run by Aryan M, its founder and sole developer. Aryan holds a B.Tech in Electrical Engineering, with a minor in Data Science, from IIT Palakkad.
Before Jozzo, he worked as a Software Engineering Expert at Mercor, interned at EasyAlgo, and built Splitzy Pay - the bill-splitting app Jozzo grew out of. His other work spans computer vision and machine learning, including violence detection in video and detection of AI-generated images, with three published papers.
His hackathon record includes finalist places at the Meta OpenEnv Hackathon and the Paytm GeekRoom Grand Prix (2026), a top 0.9% finish in the Amazon ML Challenge, 9th among all IITs in the Adobe AI Challenge, and a national semi-final at Flipkart GRiD 7.0. At IIT Palakkad he founded and led the Entrepreneurship Cell.
Feedback, a bug, an idea for your flat? Write in - a person reads every email. Never send a password, OTP or UPI PIN.
hello@jozzo.in