Splitt

Splitt is a free web app built for couples who want to stop guessing who paid for what. Instead of spreadsheets, notes on your phone, or silent resentment, both partners see the exact same balance in real time whenever one of you spends money on something shared.

The core problem Splitt solves is simple: over weeks, one person tends to pay slightly more than the other for groceries, dinners, Netflix, rent. The difference feels too small to mention each time, so you say nothing. But it compounds. A few weeks later you might have paid fifty euros more, or a hundred, and by then bringing it up feels awkward or creates real conflict. Splitt removes that friction by making the balance transparent to both people simultaneously, so neither partner has to be the bookkeeper and neither can forget.

How it works: manual entry only

Splitt connects to zero banks. There's no Plaid integration, no login with your financial institution, no syncing transactions automatically. Instead, both partners manually log expenses as they happen. When one of you spends money on something shared, you open the app, type the amount, choose the category (Mercadona, dinner, Netflix, utilities), and log it. The other person sees it update on their screen instantly without refreshing. You each get a notification when the other adds an expense, so there's no "wait, did you see that I paid for dinner?"

This manual-entry design does several things simultaneously. It keeps the app lightweight and responsive since there's no bank connection to maintain. It makes the tool currency-neutral, so couples in any country can split in whatever currency they spend: euros, dollars, pesos, pounds. And it removes the barrier of entry for anyone nervous about linking bank credentials to a new app, even one with Firebase Authentication behind it.

The trade-off is real: you have to remember to log expenses. But the app's design nudges you toward that habit because adding an expense takes about ten seconds. If logging took a minute, couples would skip it and fall back to not tracking. At ten seconds, especially for a joint expense you're already discussing, the friction is low enough that logging becomes routine.

Splitting: 50-50 by default, fully flexible

By default every expense splits 50-50. That's the assumption Splitt makes, and for most couples sharing a household or a trip, that's what they want. But every single expense is customizable. If one partner earns significantly more and wants to split groceries at 60-40 instead, Splitt lets you set that split per expense. If you want to mark something as 100 percent one person's cost, you can. The app calculates the balance based on whatever split you choose for each entry, not a fixed rule applied uniformly.

This matters because some couples need the flexibility. A partner might cover a family vacation entirely in one month and another cover rent differently. Some couples split groceries 50-50 but household utilities on an income ratio. Splitt doesn't impose a model; it tracks whatever split you agree on.

What the balance looks like

At any moment, one partner is "owed" some amount by the other, and the app shows exactly what that is. On the site's own balance example for the month, one partner paid 258 euros of the shared expenses and the other is shown owing 89 euros back. That's not an estimate, a suspicion, or a vague sense from scanning receipts. Both partners see that same balance on their phones at the same time. When one person adds an expense, that balance updates instantly for both.

The app also shows the history: every expense you've logged, who paid, the amount, the category, the date. Depending on which page of their site you're reading, that history is searchable and sorted.

No groups, no complex workflows

Splitt works for exactly two people. It's not designed for roommate quads or work travel groups or splitting a house among multiple couples. The trade-off is that everything about the app is optimized for two-person dynamics. You don't need to manage member roles or deal with voting or consensus on a shared rule. You don't see a notification that "four people added expenses", you see your partner added an expense. The UI scales to the two-person case where most apps try to solve everyone's problem and end up solving nobody's very well.

For group splitting, Splitwise exists and does that job well. Splitt is the opposite end of the spectrum: extremely simple, but only for pairs.

Settling up and pricing

When it's time to settle up, one person can venmo the other, transfer cash, or use Bizum if you're in Spain. The app has a button for "settle everything" that clears the balance and starts fresh. There's no built-in payment processor, no moving money through the app itself, no fees. This keeps the design simple and keeps Splitt out of your bank account.

The entire app is free. The site promises that the core feature, logging expenses, tracking the balance, and settling up, will never have a subscription charge or hidden fees or ads. There's mention of a Premium tier with "advanced reports and more," but the core balance-tracking feature stays free.

Platform and installation

Splitt is a progressive web app, which means it runs in any modern browser on any device. On your phone, instead of downloading it from an app store, you open the link in Chrome or Safari, create an account, and then save it to your home screen as if it were a native app. That works on iOS and Android identically. On a computer, you just use the browser. There's nothing to update or install from a store, and both partners always have the latest version because you're running from the server.

Creating an account takes about 30 seconds via email or Google sign-in. You can set it up in less than a minute.

Who built it and who uses it

Splitt was built by a single founder in Spain who says he designed it because he'd had that exact awkward conversation with his partner about money. As of the writing on the site, more than 250 couples in Spain, Mexico, Argentina, and six other countries use it regularly. The site credits these as real couples who have been using it since 2025 and report using the app weekly, but notes these are illustrative testimonials pending verification with actual reviews.

Who it suits

Splitt works best for partners who live together or travel together and share regular expenses like groceries, utilities, dining out, streaming services. It works equally well for couples who never want to open a joint bank account, you both keep your own accounts and Splitt just tracks who's ahead and who's behind in splitting the shared stuff. It's equally useful for roommates or siblings sharing an apartment.

It does not work for group dynamics, for tracking business expenses, or for couples who want a tool that also does broader financial planning, bill tracking, or investment visibility. It's a single-purpose app that does one job: keep the balance visible so neither partner has to wonder who paid more.

The verdict

Splitt solves a real tension that couples face, and it does it with zero friction and zero data risk. You're logging expenses manually, so you have to be engaged, but the payoff is transparency without complexity or a bank connection. If you're a couple who have ever had the awkward conversation about who paid for more, Splitt removes the reason to have it.