Amy vs Divly

Who paid, and who still gets something back? Amy answers that at a glance. Roommates, vacation, dinner for six: Amy records who paid what and works out who owes whom at the end. No scraps of paper, no spreadsheet, no awkward reminders. 100% free. No ads. No hidden costs. GROUP OVERVIEW AND SETTLEMENT Amy offsets every balance in a group against the others. The group overview shows who pays whom. An example: four days in Zermatt, 8 expenses, 5 people. In the end, 3 payments totaling €475.00 settle everything. You can also record a payment between two other members. EVERY EXPENSE IN VIEW Amounts, categories, who paid, who shared: sorted by day and filterable by category. Plus a list of the group's activity. SPLIT EXPENSES FAIRLY AND EASILY - Equally - By percentage - Exact amounts The odd cent is not lost, it is assigned. And anyone who was not part of an expense stays out of it. MULTIPLE CURRENCIES Paid in francs, split in euros: Amy converts the amount into the group's currency at the current rate. Ten currencies to choose from: euro, US dollar, British pound, Japanese yen, Chinese yuan, Indian rupee, Australian dollar, Canadian dollar, Swiss franc and Swedish krona. JUST THE TWO OF YOU, NO GROUP NEEDED Pizza with a friend does not need a group. Under Friends you split one to one, and the list shows for each person who owes whom. GUESTS WITHOUT AN ACCOUNT Not everyone installs an app. Add the person as a guest, under Friends or as an admin in a group, and share with them anyway. If they join later, link the guest to their account and every amount moves across. INVITE BY QR CODE OR INVITE CODE Whoever wants to join scans the QR code with their camera or types in the seven-character code. An admin approves the request. STATEMENT AS PDF Settling a group and passing on the result: Amy produces a PDF with every member's balance, the settlement, every expense with its shares, and the payments. You can leave out the settlement, the expenses or the payments beforehand. The finished file opens in the share sheet. YOUR BUDGET WITH FIXED COSTS The You tab shows one month: what comes in, what goes out on fixed costs and what you spent on yourself. Whatever remains sits at the top as "Left this month". Add fixed costs such as rent, streaming or insurance as monthly, quarterly or yearly. Every month of this year and last year is one pick away in the month picker. Income and fixed costs show as they are today; only the expenses come from that month. STATISTICS BY WEEK, MONTH AND YEAR A week in days, a month next to the three before it, a year in quarters. Plus a ring of your categories. They count the expenses you enter for yourself. So you can see where your money goes. ALSO - Sign in without a password: enter your email, type the code from your inbox - Push notifications for new, edited and deleted expenses, for payments to you and for join requests - English and German - If the connection drops, the data you last loaded stays on screen Amy. So money doesn't have to come between friends.

Divly is the easiest way to split bills and track shared expenses with friends, roommates, partners, and travel groups — without giving up your email, watching ads, or hitting a wall after one trip. WHY DIVLY IS DIFFERENT - No account required. Open the app and start splitting expenses in 10 seconds. - 1 active groups for free. Archive a finished trip and start a new one — no quota games. - No ads. Ever. Premium is optional, not pressured. - Native iOS, built with SwiftUI + SwiftData. Fast, offline-first, dark-mode polished. PERFECT FOR - Roommates: rent, groceries, utilities, and the small store runs that pile up. Track who owes what without group chats. - Couples: daily spending, weekly groceries, and one clean settle-up at month-end. Divide costs fairly, automatically. - Travel groups: hotels, taxis, tickets — log expenses on the go, settle before the airport. - Friends and dinners: nights out, weekend plans, the "I'll send it later" pile. THE CORE FLOW 1. Create a group with an emoji, color, and currency (30 supported). 2. Add an expense — pick who paid, choose equal or custom split. 3. Open the Balances tab. See the minimum number of payments to clear all debts. 4. Tap a payment to mark it settled. Confetti when the group is fully even. SMART DEBT SIMPLIFICATION Divly's algorithm finds the fewest possible transactions to settle the whole group. If three roommates owe each other in a circle, you'll see one transfer — not three. PRIVACY-FIRST DESIGN Your data lives on your device. Optional iCloud backup uses your Apple ID — no Divly servers in the loop. Receipt scanning runs on-device with Apple's Vision framework. We don't sell, share, or sniff your data. DIVLY PREMIUM Optional upgrade for power users: - Unlimited groups - Receipt scanning (OCR) — snap a photo, auto-fill the amount - iCloud backup with version history - Spending statistics by category and per person - Recurring expenses (monthly bills, rent, subscriptions) - Percentage splits (great for unequal incomes) - Home Screen widget showing your top group balances - CSV export for your records The yearly Premium plan is shown in your local currency on the App Store; a monthly plan is also available. If shared expenses come up every week, the yearly plan is easily the smartest choice. DESIGNED FOR REAL LIFE - 30 currencies with up-to-date conversion (premium) - Dark mode and Liquid Glass-ready visuals - Haptic feedback on every interaction that matters - Confetti when a group is fully settled - Onboarding that asks how you'll use the app (housemates, couple, trip, social) and shapes the first screen LANGUAGES Available in English, Turkish, German, Spanish, French, and Russian. NO HIDDEN GOTCHAS - No ads - No tracking SDKs - No daily transaction limit - No mandatory signup - No "create account to export your data" trick If shared expenses have felt slow or cluttered with other apps — give Divly a try. Have feedback? Tap Settings → About → Email Support. We read everything. --- Auto-renewable subscription. Payment is charged to your Apple Account at confirmation of purchase. Subscription auto-renews unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Apple Account settings. Privacy Policy: https://divly.app/privacy Terms of Use: https://divly.app/terms