SplitFlow vs Debt Ruthless

SplitFlow is the modern app for splitting shared expenses — no chaos, no awkward money conversations. Trip with friends, apartment with roommates, birthday party, or a weekend getaway? Add expenses, and SplitFlow instantly calculates who owes what to whom, sends gentle reminders for outstanding balances, and keeps everything crystal clear. Focus on creating memories – SplitFlow handles the math. SPLIT THE BILL. KEEP THE FRIENDSHIP. ▸ Unlimited events, expenses, and participants — free forever ▸ Split equally, by percentage, or exact amounts — custom splits whenever needed ▸ Automatic notifications — SplitFlow automatically notifies everyone about new expenses and unpaid balances. No awkward reminders needed ▸ Smart settlement optimization — minimizes the total number of transfers needed at the end ▸ Pause mode — someone missed part of the trip? Pause them: new expenses bypass them, while past settlements remain untouched ▸ Join via QR code or link — friends don't even need to create an account ▸ Widgets — check your balance and trigger quick actions straight from your home screen ▸ Works offline — no cell service in the mountains? No problem, expenses sync automatically once you're back online ▸ Complete settlement history — saved for you forever TAILORED TO YOUR RHYTHM ▸ Nights out with friends — pub, drinks, house party, or dinner. Create an event, log expenses in seconds, and enjoy the night — SplitFlow does the math ▸ Group trips — Krakow, Croatia, or the Alps? Settle up in any world currency ▸ Roommates — rent, utilities, household supplies. Clear, transparent, zero nagging ▸ Birthdays and special events — who ordered pizza, who paid for the cake ▸ Couples and families — manage daily joint finances without arguments or separate accounts FOR POWER USERS — SPLITFLOW PRO (Convenience, speed & automation) ▸ Unlimited receipt scanning — snap a photo, let AI automatically read itemized lines, and assign them to participants with a single tap ▸ Live currency rates — add expenses in multiple currencies within one event; the app converts them seamlessly in real time ▸ Couple’s Wallet — dedicated joint budgeting and expense tracking for two ▸ Simplified view — a clean, minimalist UI for fans of ultimate simplicity ▸ Adventure Map — pin expense locations and collect memories, not receipts ▸ Multi-event balance — one consolidated summary: total owed across all your shared events combined ▸ Export full PDF reports — clean, professional event reports without watermarks ▸ Recurring & instant reminders — SplitFlow discreetly follows up on unpaid balances for you ▸ Partial settlements — pay back debts in installments whenever it's more convenient Core SplitFlow features are 100% free forever! Download SplitFlow today and focus on making memories — we'll handle the rest! Terms of Use (EULA): https://splitflow.link/terms Privacy Policy: https://splitflow.link/privacy

Debt Ruthless is the group expense tracker that doesn't sugarcoat. Whether you're splitting a Berlin trip, sharing a London flat, or running a birthday party — log every expense, see who owes whom, and settle up cleanly. WHO IT'S FOR Roommates, travel groups, families, party hosts, friends lending money. Anyone who's tired of chasing money or guessing what they're owed. WHAT YOU CAN DO • Create groups by type — Trip, Apartment, Party, Loan, Family — each with its own colour and category • Add expenses with custom splits: equal, percentage, or fixed amounts per person • Track loans separately with deadlines and partial repayments • Multi-currency — log expenses in EUR, GBP, USD, PLN and more • Settle debts via Venmo, Zelle, bank transfer, or any method you use — record settlements outside the app • Group chat for coordinating who's paying for what • Activity feed shows every change across your groups PRIVACY-FIRST Self-hosted backend in the EU. We don't sell your data. Receipt photos and avatars stored only as long as you keep them. GDPR-compliant by design. NOT A PAYMENT APP Debt Ruthless tracks balances and helps you coordinate. Actual payments happen outside the app — through your bank, Venmo, Zelle, or however you prefer. NO MERCY. ONLY FACTS. Money likes clear situations. So does this app.