Spēnd splits what a group spends, and tells you where your own money went.
SCAN A BILL, SPLIT IT BY ITEM
Point the camera at a receipt and Spēnd reads every line off it, item by item, with the tax and the
tip. Pick a person, tap the things they ordered, and tax and tip distribute in proportion to what
each of you actually had. Anything the lines don't cover lands on whoever paid, so the bill always
nets to zero.
The scan runs on your phone. Nothing is uploaded to read it, there's no monthly quota, and it works
with no signal.
FIVE WAYS TO SPLIT
Equal, by fixed amounts, by percentage, by shares, or item by item. Equal splits count heads, so a
couple sharing one entry owes two shares. Split rules let a household set rent at 75/25 once instead
of on every bill.
SETTLE UP IN THE FEWEST PAYMENTS
Spēnd nets everyone down to the smallest set of transfers, then hands off to Venmo, Cash App,
PayPal.Me or Revolut with the amount already filled in. PayPal.Me carries the currency too, which
matters when the trip wasn't priced in dollars.
BUILT FOR TRAVEL
Every expense keeps its own currency and the rate on the day you spent it. Rates refresh daily,
cache for offline, and fall back to a rate you type yourself. When the market has moved since the
trip, Spēnd shows you what settling at today's rate would cost instead of quietly picking one.
WORK TRIPS
Turn the splitting off and Spēnd gathers and categorises instead. Mark what you can claim back, and
export a PDF report with every line, the exchange rate, and each photographed receipt appended as
its own page. It warns you about missing receipts before you send it, not after finance sends it
back.
HOUSEHOLDS
A shared apartment never ends, so Spēnd reads it a month at a time. Square August while September fills up
behind it. A payment settles the oldest month first, and a receipt found late reopens the month it
belongs to rather than quietly disappearing into this one.
SHARE A GROUP, OR DON'T
Sharing is opt-in per group and uses the Apple or Google account you already have. Solo use never
signs in to anything and works fully offline.
CHOOSE THE PAPER IT PRINTS ON
Five papers, from cream through kraft to near-black. Three of them are a light and a dark printing
that follow your phone on their own, so the ledger reprints itself at sunset.
YOUR DATA STAYS YOURS
No Spēnd account, ever. Your ledger lives on your device. Nothing is uploaded to read a receipt,
and receipt photos never reach our servers. We run no analytics and no ads. The only thing we hold
is a group you choose to share: its expenses, names and payout handles, so every phone in it sees
the same ledger.
PAY ONCE
Two full groups free, with unlimited quick splits. One payment of $4.99 removes the limit, forever,
on every device signed in to your Apple ID, and Family Sharing covers the rest of your household. No subscription, no ads, and nothing is feature-gated:
the only thing the free tier meters is how many full groups you create. Groups you already made
never lock, and export is never gated.
ALSO IN THE BOX
- Home and Lock Screen widgets showing what you're owed across every group
- A cross-group figure, so you know your position without opening anything
- Burn rate, category breakdown, and what's sustainable to finish on budget
- Recurring expenses, for the bills that arrive on the same day every month
- Your ledger on your iPhone and your iPad, through your own iCloud
- On iPad, your groups sit beside the one you're reading
- CSV export for a spreadsheet, PDF for the group
- Share cards that carry no names and no per-person amounts
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