Splitter vs Keel

I was tired of all the bill splitting apps, that either need a subscription, limit you in the core functionalities, or are full of ads. So i wrote my own. Its not as shiny yet, but it is completely free, has no ads, doesn't try to sell you some other app, or is loaded with trackers etc. Its just a small piece of software that helps you split bills. You dont need any account, or registration. When you create a group, you get a group code. Share it with everyone you like and they can join the group.

Most trackers stop at "Netflix, 13.99, monthly". Keel tracks the way you actually pay: subscriptions, bills, pay-in-X purchases and yearly ambushes, each from its own bank account. The sofa bought in 3 keeps its remaining balance and its next due date. The insurance that hits once a year is smoothed into your real monthly number. Every payment knows which account it leaves, so you see what goes out from where, before it does. EVERY PAYMENT, ONE CALM PLACE • Subscriptions, bills, memberships and split purchases, side by side • What hits and when, day by day, plus a calendar with brand logos on their due days • Multi-currency, converted honestly at daily rates IT SETS ITSELF UP • Paste a rough list or screenshots into the AI you already use, Keel reads the answer • You review every line before anything is saved • Prefer manual? Common services come pre-filled in a tap, and AI switches off entirely. AI is completely optional, and manual operations are optimized for a smooth on-boarding. PAY IN 3? TRACKED LIKE EVERYTHING ELSE • Progress paid, amount left, every installment on the calendar • Tick payments off right in the list STAY AHEAD • Reminders your way: up to three per commitment, any lead, repeating nudges until the due day • Trials warn before they convert, price increases before they bite • Widgets keep the next payments on your home screen INSIGHTS THAT RECONCILE • What you really paid next to what the year still plans to charge • Yearly costs smoothed into your monthly baseline • Spending by category and by account, and price creep since the day you signed up YOURS. ON YOUR PHONE. • No account, no server, no tracking, no data collection • Face ID lock, local backups, file export any time • Built by a cybersecurity engineer who'd rather there be nothing to breach • Transparent and educational about settings impact ONE PRICE, NOT A SUBSCRIPTION Everything is free for 45 days. No card, nothing renews, nothing to cancel. Then one single purchase unlocks Keel for good, shareable with up to five people through Apple Family Sharing. If you never buy, your data, your charts, marking paid and exports keep working forever. And your whole year sails into a harbor, one ship per billing day, the big bills arriving as container ships. You'll find it. Questions, ideas, corrections: contactkeel@protonmail.com