Split Group Expenses with Mathematical Precision
No more awkward payment math or messy spreadsheets. Splitmate combines deterministic double-entry accounting with intelligent debt minimization to settle bills effortlessly.
See the Split Engine in Action
Test how our greedy graph algorithm turns tangled group debts into minimum direct settlements in real time.
Everything you need for flawless shared finances
Built from the ground up as a true double-entry financial ledger, not just a casual calculator.
Deterministic Split Modes
Split equally, by shares, percentages, or custom exact amounts with largest-remainder exact cent precision.
Greedy Debt Minimization
Our bipartite graph algorithm simplifies N(N-1) tangled debts down to at most N-1 clean transfers.
AI Receipt Camera OCR
Snap a photo of any bill or receipt to automatically extract merchant, date, tax, and itemized amounts.
Live Real-Time SSE Sync
Instant multi-user updates without polling. Everyone sees expenses and settlement updates as they happen.
Multi-Currency Conversions
Keep group ledgers in any currency with integer basis-point conversions that prevent rounding drift.
Telegram Mini App & Bot
Track and split expenses right inside your Telegram group chats with zero app install required.
Double-Entry Audit Trails
Immutable event history and authoritative reversal tracking ensuring the ledger is always 100% audit-proof.
Multi-Format Export & Reports
Export full settlement breakdowns and activity sheets to RFC 4180 CSV, multi-tab Excel, or printable PDF.
From Group Splits to Complete Personal Wealth Tracking
Splitmate connects your group settlements directly with your personal net worth, budgets, and savings goals.
Unified Personal Balance Sheet
Track Bank Accounts, Cash Wallets, Crypto Assets, Investment Portfolios, Credit Cards, and Receivables in one unified real-time dashboard.
Instant Smart Receipt Scanner
Upload paper receipts, taxi tickets, or restaurant bills. Our parser automatically extracts totals, items, and tax to generate 1-click splits.
From receipt to settlement in seconds
Clear, transparent, and fair for every member in your group.
Create Group & Invite
Set your group currency, share a dynamic QR code or invite link, or launch directly inside Telegram.
Add Expenses & Snap Bills
Record payments, pick custom splits, scan paper receipts, and let Splitmate track real-time balances.
Settle Up with 1 Click
View optimized settlement recommendations and mark debts paid with complete audit traceability.
Built for every way you share expenses
From weekend road trips to permanent household leases.
Vacations & Road Trips
Multiple currencies & flightsTrack hotel bookings, gas, rental cars, and restaurant bills in foreign currencies without stress.
Roommates & Rent
Monthly utilities & rentManage monthly rent, electricity, Wi-Fi, groceries, and recurring household expenses seamlessly.
Dining & Events
Restaurant bills & celebrationsSplit concert tickets, party catering, group dinners, and gifts with exact cent accuracy.
Couples & Project Teams
Ongoing shared balancesMaintain a continuous, transparent shared balance for long-term projects or joint living.
Simple tiers designed for individuals & groups
Start with 14 days of unrestricted Pro access. No credit card required, zero data loss if you choose Free forever.
Free
Essential group ledger & transparent expense splitting for roommates and trips.
No credit card required
- Up to 3 Owned Groups
- Up to 8 Members per Group
- Equal, Share, % & Amount Splits
- Debt Minimization Engine
- Standard CSV Export
Plus
Ideal for active organizers, travel groups, and recurring shared bills.
Billed $49 annually (Save 18%)
- Up to 15 Owned Groups
- Up to 25 Members per Group
- Automated Recurring Expenses
- 1-Click Expense Templates
- Multi-Sheet Excel & PDF Exports
- Visual Group Reports & Analytics
- Offline Action Queue & Sync
- Live Multi-Currency Live Sync
Pro
The all-inclusive power suite for total financial clarity, AI automation & wealth tracking.
Billed $99 annually (Save 17%)
- Unlimited Groups, Members & Expenses
- AI Receipt OCR Parser
- Complete Personal Finance Module
- 8 Personal Account Types & Budgets
- Personal Savings Goals & Projections
- Live Multi-Currency Live Sync
- VIP Priority Support Badge
Frequently Asked Questions
Everything you need to know about Splitmate's math, privacy, and features.