Two currencies, zero fudging

Halfway up the Karakoram Highway someone pays for a hotel in dollars. Everything else on the trip is in rupees. Most splitting apps quietly convert the dollars at whatever rate they happened to fetch, and from that moment nobody can reconcile the group's ledger against what actually left their bank account.

A rate is not a fact

An exchange rate is a snapshot of a market, not a property of your debt. If we convert Daniel's $120.00 hotel into rupees on the day it was added, the number is already wrong by the time anyone settles — and worse, it is wrong in a way nobody can see.

Chukta tracks each currency as its own ledger. They are totalled separately, settled separately, and never added together.

So on Hunza Trip you owe Daniel $24.00 while Daniel owes you Rs 8,620, and both stay on the screen at equal weight. Neither cancels the other, because in the real world they do not.

What the ~Rs hint is for

Under a dollar figure you will sometimes see a faint ~Rs 6,720. That is a reading aid at one indicative rate, marked as such. It never enters a calculation, it is never stored on the expense, and no total in the product is derived from it.

When you settle the dollars, you settle dollars.