# Split Wisely — Split & Track — Split bills. Settle by UPI.

> Split bills. Settle by UPI. (iPhone/iPad app by Cognitive Squad.)

- Source: https://appshunter.io/ios/app/split-wisely-split-and-track/id6804722945 (this page in markdown: same URL + `.md`)
- Developer: [Cognitive Squad](https://appshunter.io/developer/1869551832)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 15.5 · 85 MB
- Languages: American English
- Released: 2026-08-28
- Data updated: 2026-09-24
- User reviews in markdown: https://appshunter.io/ios/app/split-wisely-split-and-track/id6804722945/reviews.md

## What is Split Wisely?

The modern way India splits expenses.

Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless — and actually pleasant to look at. Add an expense in seconds, see exactly who owes whom, settle in one tap with any UPI app, and keep your own spending tracked privately on the side.

Split Without the Awkwardness
• Groups for trips, homes, couples and everything else
• Every split style: equally, exact amounts, percentages, shares, +/- adjustments
• Multiple payers, multi-currency, receipts, notes and comments
• Balances computed precisely to the paisa — no rounding disputes

Settle Up in Seconds
• One-tap settle with your UPI app, pre-filled with the right amount
• Simplify debts inside groups — fewest possible transfers
• Gentle reminders (never spammy — one per day, only when they owe you)

Your Personal Money Tracker (free)
• A private tracker at the center of the app — add a spend in 2 taps
• Monthly view with history, categories and daily averages
• Nothing here is shared with anyone

Your Own AI Money Coach (Pro AI)
• Financier — chat with an AI that actually knows your spending, splits and balances
• Savings Coach — a monthly report: unused subscriptions, EMIs, concrete ways to save
• Import credit-card and Paytm / PhonePe / Google Pay statements (PDF, Excel, CSV)
• Connect Gmail and bills in your inbox import themselves — you review first
• AI reads, categorises and de-duplicates across every source — even a card spend made through UPI showing up in two statements
• Statement files are deleted right after processing

EMIs Under Control (free)
• Every loan in one place: monthly load, months left, payoff date
• EMI-like payments detected automatically from your spends

Split Wisely Pro — ₹99/month · Pro AI — ₹299/month or ₹2,999/year
Pro: unlimited daily expenses, receipt scanning, itemization, advanced dashboard and charts, expense search, saved default splits, currency conversion. Pro AI: everything in Pro plus the Financier chat, Savings Coach, AI statement import and Gmail bill sync.

Private & Secure by Design
• Your data lives in India (Mumbai region)
• Bank-grade security rules on every record
• Biometric app lock, full account deletion in-app

Fair with friends. Smart with money. Split Wisely.

Subscriptions
Split Wisely Pro is Rs 99/month. Pro AI is Rs 299/month or Rs 2,999/year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Split Wisely Terms of Service: https://splitwisely.cognitivesquad.com/terms
Privacy Policy: https://splitwisely.cognitivesquad.com/privacy


## Version history (last 4 releases)

### 1.0.3 — 2026-09-19

Fixed: subscriptions now activate immediately after purchase.

If you subscribed recently and your plan did not unlock, open Split Wisely, go to the Pro screen and tap "Restore purchases" — your plan will activate right away. You will not be charged again.

Also improved: if a purchase cannot be confirmed straight away, the app now retries it automatically instead of losing it.

### 1.0.2 — 2026-09-17

• Tap a category on any month and see that month's merchants — not six months under one heading.
• Statement import: a purchase your bank converted to EMI, or refunded, is no longer counted twice. It's shown, unticked, and labelled.
• Small fixes.

### 1.0.1 — 2026-09-11

Fixes for statement import and the AI coach.

• Password-protected statements ask for the password again. A timing bug hid the prompt and showed a generic error, so locked bank and card PDFs could not be imported at all.
• An import that stalls can now be retried instead of spinning forever.
• A failed import no longer uses up one of your monthly import slots.
• The AI coach was quoting some amounts 100x too small. Fixed.
• Categories now show what you spent this month.

### 1.0 — 2026-08-28

No release notes.

## Apps similar to Split Wisely

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Kesto: Couples Budget](https://appshunter.io/ios/app/kesto-couples-budget/id6787574571) | — | Free | Finance |
| [Splyt: Split Wisely](https://appshunter.io/ios/app/splyt-split-wisely/id6780476315) | — | Free | Finance |
| [Wisley](https://appshunter.io/ios/app/wisley/id6756212224) | — | Free | Finance |
| [CoupleWallet - Couple Budget](https://appshunter.io/ios/app/couplewallet-couple-budget/id6759792835) | — | Free | Finance |
| [Sigal Kosova](https://appshunter.io/ios/app/sigal-kosova/id6756305258) | — | Free | Finance |
| [Mutual Funds SIP Calculator](https://appshunter.io/ios/app/mutual-funds-sip-calculator/id1609021094) | 5.0 (1) | Free | Finance |

## More apps by Cognitive Squad

- [Bihar Shaadi](https://appshunter.io/ios/app/bihar-shaadi/id6757911133)
- [Ludo Play!](https://appshunter.io/ios/app/ludo-play/id6795006268)
- [Sejals Property Owner](https://appshunter.io/ios/app/sejals-property-owner/id6795504646)
- [Sejals Property PG Hostel Flat](https://appshunter.io/ios/app/sejals-property-pg-hostel-flat/id6795504954)
- [Fitness Freak: Workout & Diet](https://appshunter.io/ios/app/fitness-freak-workout-and-diet/id6799599759)

All apps by Cognitive Squad: https://appshunter.io/developer/1869551832

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-24.*