Thanks for the detailed feedback – it’s always useful to hear, and I’ll pass it on :)
One small feature you may not be aware of: on our website, Splitwise does allow you to add group members without email addresses, which hopefully helps for the “large party” scenario. My apologies that the same feature isn’t available on our mobile apps!
We’d love to make Splitwise better for tracking personal expenses (though we’re mostly focused on splitting for the time being). For now, your best bet is probably to make a new group for personal expenses, with yourself as the only member.
Thanks for suggesting Tez as a payment method! We’ll leave this under review for further voting.Kalaiyarazan commented
Tez payment is better than Paytm.. So please add TEZ payment option.