Split expenses, not friendships.
The modern way to track shared expenses, calculate who owes what, and settle up balances with friends, roommates, and travel groups.
Cabin Rental & Groceries
Alex (You)
Paid $480.00 • Share $120.00
Liam
Equal 25% share
Sarah
Equal 25% share
Maya
Equal 25% share
Smart Debt Simplification
3 payments instead of 8
Instant Settlements
Zero math • Zero awkward chats
Stop sending 15 awkward micro-transfers
When friends buy groceries, dinners, and tickets over a trip, everyone owes everyone. Our smart debt engine simplifies the web into the minimum possible transfers.
Everything you need to handle shared money
Designed to take the awkwardness out of shared expenses. From roommates to international travels, Split up keeps everyone on the exact same page.
Debt Simplification
Our graph algorithm reduces complex multi-person IOUs down to the fewest direct transactions. Settle weeks of trip expenses in 1 or 2 quick transfers.
Any Split Mode
Split bills equally, by exact dollar amounts, or by custom percentages. Perfect when someone didn't drink or someone had an extra side.
Instant Mobile OTP
Log in instantly on iOS, Android, or mobile web with secure 6-digit email codes. Zero forgotten passwords and frictionless onboarding for all your friends.
Real-Time Notifications
Get notified immediately via in-app bell and beautiful email alerts whenever a new bill is logged or someone records a settlement.
Multi-Currency & Rounding
Track global currencies on international group holidays with clean, automated fair rounding so nobody owes fractions of cents.
Private & Encrypted
Your financial data stays between you and your group members. No ads, no selling of spending history, and enterprise-grade data security.
How Split up works
Never pull out a calculator or spreadsheet again. In three quick steps, your entire group is settled.
Create your group
Set up a group for your apartment, road trip, dinner party, or holiday and invite your friends with a single invite link.
Log shared bills effortlessly
Add expenses on the fly. Split equally or adjust custom shares for those who arrived late or ordered extra.
Settle balances in one tap
Our engine balances everyone's net position. Record payments, send friendly reminder pings, and stay 100% square.
Ready to split bills without the headache?
Join roommates, couples, and friends who use Split up to keep shared expenses organized, transparent, and completely fair.