Amy vs Divly

Who paid, and who still gets something back? Amy answers that at a glance. Flatshare, holiday, 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. SIGN IN WITHOUT A PASSWORD Enter your email, type the code from your inbox, and done. No password to remember. ALL YOUR GROUPS IN ONE PLACE Flatshare, holiday, weekend trip—every group with its own balance. The The overview immediately shows where you are up and where you are down. GUESTS WITHOUT AN ACCOUNT Not everyone installs an app. Add the person as a guest and share with them. Anyway. If they join later, link the guest to their profile—every amount moves. across from them. INVITE BY QR CODE OR CODE Hold up your phone, scan, done. Or pass on the seven-character code when nobody is standing next to you. EVERY EXPENSE IN VIEW Amounts, categories, who paid, who shared—ordered and filterable. Plus a feed of what has happened in the group. SPLIT EXPENSES FAIRLY AND EASILY - Equally - By percentage - Exact amounts - By shares The odd cent is not lost; it is assigned. And anyone who was not part of an expense stays out of it. A SIMPLE OVERVIEW FOR SETTLING UP Amy nets mutual debts off against each other and proposes the shortest chain of payments. Two transfers instead of six. You can also record a payment between two other people if you were only doing the math. YOUR BUDGET The You tab shows one month: what comes in, what goes out on fixed costs, what You spent freely. Fixed costs and income live right there, and the next month is one tap away. DETAILED STATISTICS WITH HISTORY Categories as a ring, months as bars, every past month available. It becomes obvious where the money actually goes. STATEMENT AS PDF Settling a group and passing on the result: Amy produces a PDF with every expense, every share, and the settle-up plan. To share, to print, or simply to Keep. SUBSCRIPTIONS AND FIXED COSTS Streaming, gym, insurance—with intervals, a budget per category, and a reminder before the money leaves. ALSO - Multiple currencies, converted automatically, including at the historical rate - Push notifications when somebody adds or settles something - Light and dark, following the system - English and German - Keeps working offline and syncs afterwards Amy—so money never has to be a thing 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