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Private beta · iOS 26 and web

Shared costs, settled calmly.

The calmest way for people who share money to stay square. Zero friction to add, zero ambiguity about who owes what, and zero drama settling up.

  • No ads, ever
  • Unlimited expenses
  • Free during the beta
SettleBuddy group screen for a Goa trip: you're owed ₹1,775, with recent expenses and a UPI payment from Priya.

Settle in any currency, including INR, USD, EUR, GBP, JPY, THB, SGD, AUD, KRW, VND, AED, CAD, CHF, BRL, PHP, IDR, MYR, SEK, PLN, HKD.

Fast to add

Three taps to an expense. Zero to check the maths.

Type the amount, pick the group, save. Everyone's share is worked out to the paisa before you tap save, and it always adds up.

Add expenseINR

₹0

  • You₹0.00
  • Priya₹0.00
  • Riya₹0.00
  • Sam₹0.00

Adds up to ₹1,250.75 exactly

Features

Everything Splitwise should have become.

The basics are free and unlimited. The clever parts are built in, not bolted on.

ads, ever
0
daily expense caps
0
split types, all free
0
free receipt scans a month
0

AI receipt itemisation

Snap the bill and get every item back with tax, tip and service charge. Tap an item to give it to someone; the rest is pro-rated.

10 scans a month free, unlimited on Pro.

Every split type

Equal, exact, percent, shares, adjustments or itemised, with multiple payers on one expense. Shares are cent-perfect every time.

Real multi-currency

Enter expenses in whatever currency you paid in. Historic exchange rates show what it means in yours, and you can settle in any currency.

Multi-currency entry is free; cross-group conversion is Pro.

Settle with the app you use

Payment links for UPI, Venmo, PayPal, Cash App, Wise and Revolut. SettleBuddy never touches your money; it just records that you're square.

Placeholders and invites

Add people by name and start splitting straight away. They claim their spot from an invite link when they're ready, balance included.

Offline-first, instant sync

Add expenses on a plane or in a basement. They save on your device immediately and sync the moment you're back online.

How it works

From the bill to square, calmly.

  1. 1

    Add it, and the balances follow

    Every expense updates everyone's balance instantly. Tap any balance for a timeline that explains exactly how it was reached.

    Balances for the Goa trip: who owes whom, with suggested payments.
  2. 2

    Settle in the app you already use

    Pick UPI, Venmo, PayPal, Cash App, Wise or Revolut. Pay there as usual, and SettleBuddy records it. Your money never passes through us.

    Settle-up sheet with a large amount and payment method chips.
  3. 3

    Know where you stand, at a glance

    Home shows what you're owed and what you owe across every group and friend, in words as well as numbers. Nobody has to be the nag.

    Home screen showing your overall position across groups and friends.

Why not Splitwise

Built for how groups actually share money.

Splitwise defined the category, then stopped. Here is what changes.

  • Core loopSplitwiseWorks, but slow (many taps, slow sync)SettleBuddy: 3-tap add, instant sync, undo everywhere
  • Free tierSplitwiseDaily expense cap, adsSettleBuddy: Unlimited expenses, no ads, ever
  • ReceiptsSplitwiseOCR on Pro only, no item assignment UXSettleBuddy: AI itemisation; tap items to assign; tax and tip pro-rated
  • CurrencySplitwisePer-expense currency; conversion on ProSettleBuddy: Historic FX, home-currency view, settle in any currency
  • SettlingSplitwisePer-group simplify; Venmo/PayPal (US only)SettleBuddy: Cross-group settlement plan; payment links for UPI, Venmo, PayPal, Cash App, Wise, Revolut, PayNow, Interac, bank QR
  • PlanningSplitwiseNoneSettleBuddy: Trip, household and event modes, budgets, pots (pre-funded kitty)
  • AnalyticsSplitwiseCharts on ProSettleBuddy: Spend insights free; deep analytics Pro
  • OfflineSplitwisePartialSettleBuddy: Offline-first with local ledger and outbox
  • Platform polishSplitwiseDatedSettleBuddy: Native iOS 26 design, widgets, Siri, Live Activities, share extension
  • MigrationSplitwiseNoneSettleBuddy: One-tap Splitwise CSV import

Some SettleBuddy items above are on the roadmap and arrive after the beta. Splitwise is a trademark of its owner; SettleBuddy is not affiliated with it.

Pricing

Generous by default.

The free plan is enough for a lifetime of ordinary use. Pro sells power, not relief from annoyance.

Everything is free during the private beta.

Free

Free, forever

Everything you need to split and settle.

  • Unlimited expenses, groups and friends
  • No ads and no daily cap, ever
  • Every split type, multiple payers included
  • Multi-currency entry
  • Settle up with payment links
  • 10 receipt scans a month
  • Activity, comments and reminders
  • Basic spend insights
  • Splitwise import and CSV export
Join the beta

Pro

Power features

At launch

Pricing announced at launch, with regional pricing.

  • Unlimited AI receipt itemisation
  • Historic FX conversion and a home-currency view across all groups
  • Cross-group settlement optimiser
  • Budgets and pots
  • Advanced analytics and PDF reports
  • Recurring expenses with smart detection
  • Custom categories and themes
  • Priority support
Try Pro free in the beta

Later, one Pro subscriber will be able to unlock Pro for everyone in their group.

FAQ

Questions, answered plainly.

Join the private beta.

iOS 26 first, with the web app alongside. Android comes later. Bring the group; they don't need an account to be in it.