Peer-to-peer recurring payments

Automate the money you owe the people you trust.

Split subscriptions, pay a roommate back monthly, or cover a shared bill.

Bank-grade encryption · Cancel anytime

Monthly outflow

3 active

$95.50

Alex · Netflix split

Every 1st · Payment 1 of 6

Split
$8.50

Mom · Phone plan

Every 15th · Payment 4 of ongoing

Bill
$25.00

Jamie · Concert tix

Every 3rd · Payment 2 of 3

IOU
$62.00
Money coming in

See who's paying you, every month.

Your monthly intake shows every recurring payment set to land in your account — rent from a roommate, a split on the family plan, or a friend who's paying you back on schedule. No chasing. No forgetting.

  • One clear total for what's expected this month
  • See the next transfer date for each person
  • Recipients pay $0 in fees, ever

Monthly intake

$704.75

+12%

4 incoming · lands in your bank

Sam · Rent share

Every 1st · Payment 7 of ongoing

Rent
+$650.00

Priya · Spotify Family

Every 5th · Payment 3/12

Split
+$4.25

Dev · Gym membership

Every 20th · Payment 5 of 24

Bill
+$32.00

Casey · Coffee tab

Every 28th · Payment 2 of 4

IOU
+$18.50

Group · Water bill

$50.00

Monthly · split 4 ways · Payment 3/12

4 members

You

Paid
$12.50

@jordan

Paid
$12.50

@mia

Paid
$12.50

@theo

Paid
$12.50
Groups

Shared bills, split evenly, automatically.

The water bill is $50 and there are four of you. Create a group, invite your roommates by username, and Lucy gives everyone their own $12.50 recurring payment. It lands with the organizer every month — no group chat reminders required.

  • Set a total, Lucy does the math on equal shares
  • Invite members by their unique Lucy username
  • See who's paid and which payment number you're on
  • Anyone in the group can get it started
Create a group

How it works

Set it once. Never chase a payment again.

1Step 1

Link your bank

Connect once with bank-grade security. No card details shared with the recipient.

2Step 2

Set the payment

Pick a friend, an amount, and the day of the month. That's it — it runs on autopilot.

Done

That's it!

Lucy handles the rest — every payment runs on schedule until you cancel it.

Pricing

Simple pricing that scales with you.

The person receiving payments always transfers to their bank for free. Every payment carries a minimum 75¢ fee, and each payment shows exactly where it is in the schedule — 2/6, 5/12, and so on.

Casual

1.75%per payment

Billed on top of what you send. 75¢ minimum per payment.

  • Up to 2 recurring payments
  • No monthly charge
  • Cancel anytime
  • Bank-grade security
Get started

Everyday

Most flexible
$3/ month

Kicks in automatically past 2 recurring payments — sending or receiving.

  • Unlimited recurring payments
  • Payment groups for shared bills
  • Track every payment number
  • Priority support
Get started