Splitexpenses.
Trackbalances.Settlesmarter.
Built for modern groups.
Shared expenses, zero friction. Group workspaces with real-time debt tracking, 4 split modes, and offline-first sync.
Engineered for Reliability & Data Security
How SplitMate works. Five steps. Zero friction.
From group creation to final settlement — every step is automatic.
Start a group.
Dedicated workspaces for roommates, trips, and dinners — organized from day one.
Everything your group needs. Nothing it doesn't.
Four capabilities. Real product interfaces. No fake dashboards.
Split bills your way.
Equal, exact, percentage, or share-based splits for every group.
Always know who owes what.
Graph debt minimization collapses circular IOUs — 10 debts become 2 transfers.
Spend smarter. Stay informed.
Category breakdowns and spending velocity update on every entry. Push alerts keep every member informed in real time.
Works wherever your group does.
IndexedDB queues offline actions — synced automatically the moment you reconnect.
Built for reliability. Trusted by real groups.
Three core guarantees — no marketing claims, just real production systems.
Works without cell service.
IndexedDB mutation queues store every action locally. Your data is never lost — online or off.
Start free. Upgrade anytime.
Core splitting is free forever. Upgrade only when you need more.
Frequently asked questions.
Five answers to the things people ask most.