Splitos: Bill Splitter

Splitos is the free group expense splitter built for real life — trips, dinners, roommates, and every shared cost in between. No account required. No subscription. Open the app, create a group, and start splitting bills in under a minute. SPLIT BILLS WITHOUT THE FRICTION Add an expense, choose who paid, and Splitos divides it among your group. Split equally, by custom percentages, by fixed amounts, or by person count — useful when one slot represents a couple or family. Every expense is tracked with full history and a change audit log. SMART SETTLEMENTS — FEWEST TRANSFERS POSSIBLE Splitos finds the minimum number of transfers to clear every balance in the group, no matter how tangled. One screen shows each person exactly what they owe and to whom — no maths required. MULTI-CURRENCY WITH LIVE EXCHANGE RATES Add expenses in any currency. Splitos automatically fetches live exchange rates and converts everything to your group's home currency. Perfect for international trips. PERSONAL IOU TRACKER Track money owed outside of groups. Log an IOU, record partial payments as they come in, and export a PDF summary to share with the other person. OFFLINE-FIRST — ALWAYS WORKS Splitos stores everything on your device first. Add expenses, view balances, and check settlements without any internet. Everything syncs automatically when you reconnect. INVITE ANYONE IN ONE TAP Share a QR code or a link — no account needed on the recipient's end. Add people at the restaurant table without a sign-up form. BUDGET TRACKING & RECEIPT PHOTOS Set a budget for any activity and watch it update in real time. Attach receipt photos to any expense to settle disputes before they start. PRIVACY-FIRST. FREE. No email required to start. Cloud sync is opt-in, on our own private server. No personal data is ever sold. Minimal banner ads keep the app free. PERFECT FOR: • Group travel — flights, hotels, food, transport • Dinner bills and restaurant splits • Flatmates — rent, utilities, groceries • Events, parties, and group activities • Couples managing shared household costs KEY FEATURES: • Offline-first — full functionality without internet • Equal, percentage, amount, or count-based splits • Multi-currency with automatic live exchange rates • Personal IOU tracker with payment history • Smart settlement: minimum transfer algorithm • QR code and shareable link invites • Receipt photo attachments • Budget tracking per activity • PDF export for settlements and IOUs • Full expense history and change audit log • Multiple languages, auto-detected from device