Splitos: Bill Splitter

Splitos is the free group expense splitter built for real life — trips, dinners, roommates, and every shared cost in between. No account required. No subscription. Open the app, create a group, and start splitting bills in under a minute. SPLIT BILLS WITHOUT THE FRICTION Add an expense, choose who paid, and Splitos divides it among your group. Split equally, by custom percentages, by fixed amounts, or by person count — useful when one slot represents a couple or family travelling together. Every expense is tracked with full history and an audit log showing who changed what. SMART SETTLEMENTS — FEWEST TRANSFERS POSSIBLE Splitos's settlement algorithm finds the minimum number of money transfers to clear every balance in the group, no matter how tangled. Instead of everyone paying everyone back, the app calculates the most efficient path. One screen shows every person exactly what they owe and to whom — no maths required. MULTI-CURRENCY WITH LIVE EXCHANGE RATES Crossing borders? Add expenses in any currency. Splitos automatically fetches live exchange rates daily and converts everything to your group's home currency — no manual rate entry, no guesswork. Ideal for international travel expense tracking. PERSONAL IOU TRACKER Track money owed outside of groups too. Log an IOU, record partial payments as they come in, and mark it cleared when settled. Export a full PDF summary to share with the other person. Perfect for lending money to friends or splitting a one-off cost. OFFLINE-FIRST — ALWAYS WORKS Splitos stores everything on your device first. No internet connection? Add expenses, view balances, and check settlements without any network. Everything syncs automatically when you reconnect. Your data never disappears because of a bad signal. INVITE ANYONE IN ONE TAP Share a QR code or a link to bring anyone into the group instantly. No account creation required on their end — they join with one tap. Add members at the restaurant table without a sign-up form interrupting the evening. RECEIPT PHOTOS Attach a photo to any expense. Snap the receipt at checkout and it stays attached to the record forever. Settle disputes before they start. BUDGET TRACKING Set a spending budget for any activity. Watch the remaining balance update in real time as expenses are added. Know exactly when you're approaching the limit before the trip ends. AVAILABLE IN MULTIPLE LANGUAGES Splitos supports multiple languages. The app automatically uses your device language, and you can switch at any time in Settings. All screens, labels, alerts, and PDF reports are translated. PRIVACY-FIRST. FREE FOREVER. No email address or password is ever required — the app creates an anonymous profile on your device automatically. Cloud sync is opt-in and uses our own private server. No personal data is ever sold. Minimal ads are shown to keep the app free. A one-time "Remove Ads" purchase will be available for those who prefer an ad-free experience. PERFECT FOR: • Group travel — flights, hotels, food, transport • Dinner bills and restaurant splits • Flatmates and roommates — rent, utilities, groceries • Events, parties, and group activities • Couples managing shared household costs • Any group that shares expenses regularly KEY FEATURES: • Free bill splitter — no subscription, no account needed, no personal data sold • Offline-first — full functionality without internet • Equal, percentage, amount, or count-based splits • Multi-currency with automatic live exchange rates • Personal IOU tracker with payment history • Smart settlement: minimum transfer algorithm • QR code and shareable link invites • Receipt photo attachments • Budget tracking per activity • PDF settlement and IOU report export • Full expense history and change audit log • Available in multiple languages