Spl/it vs SmartMoney

SPL/IT makes splitting expenses effortless. Whether you're dividing a dinner check on the spot or tracking costs across an entire beach trip, SPL/IT handles the math so you don't have to. TWO TOOLS, ONE APP Quick Split — Split any bill in seconds. Enter the total, choose a tip, and see exactly what each person owes. No account needed. Works instantly. Group Expenses — Create a group for your trip, household, or any shared situation. Everyone adds expenses as they happen. SPL/IT tracks who paid what, calculates the balances, and shows exactly who owes whom. QUICK SPLIT FEATURES Split any bill evenly or by portions Tip calculator with percentage and dollar amount options Adjustable tip slider for custom amounts Portion-based splitting for uneven groups Per-person breakdown including tip Share results instantly GROUP EXPENSE FEATURES Create groups for trips, events, households, couples, and more Add members by name — they can join with an invite code Log expenses with who paid and how to split them Split evenly or by custom shares Real-time balance tracking across the group See exactly who owes whom with one-tap settle up Multiple currency support Category icons for each expense type DESIGNED FOR REAL LIFE Works offline for quick bill splits — no account required Sign in with Apple to sync groups across devices Dark mode interface that's easy on the eyes Built for small groups of 2-8 people Fast, focused, and free of clutter SPL/IT is built for the moments that matter — dinner with friends, weekend trips, shared apartments, and everything in between. Stop doing mental math. Start splitting smarter.

Track every dollar without linking your bank account. SmartMoney logs expenses and income, tracks budgets with rollover, builds toward savings goals, and shows your net worth trend — all stored privately on your device. SmartMoney is a private, offline personal finance tracker that keeps your financial data on your device. No sign-up, no bank linking, no ads, and no tracking. Log transactions manually or import them from a CSV export of your bank statement. Attach receipt photos to transactions to keep your records organized. UNDERSTAND YOUR SPENDING See your monthly spending by category, discover your top merchants, and compare your spending month over month so you can understand where your money is going. BUDGET WITH CONFIDENCE Set monthly budgets for each category and see how much you have left to spend in real time. Use the Left to Spend Home Screen widget for a quick glance at your budget. NEVER MISS A BILL SmartMoney automatically identifies recurring charges and gives you a calendar of upcoming bills, helping you stay ahead of your regular expenses. KNOW YOUR NET WORTH Track checking accounts, savings, credit cards, investments, cash, and other accounts in one place. Monitor your net worth and see how it changes over time. STAY IN SYNC Use Auto-Reconcile to automatically keep an account balance aligned with your logged transactions, or manage balances manually — you choose. WORKS WITH SIRI Log expenses hands-free with Siri, such as: “Hey Siri, log an expense in SmartMoney.” PRIVATE BY DESIGN Your financial data stays on your device. SmartMoney doesn't require an account or bank connection and doesn't use ads, trackers, or analytics. Your financial data is yours. Full stop.