Debt Ruthless vs Split Bill

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.

Split a bill between friends in seconds — and know exactly who owes who. Most bill splitters stop at "divide by four." Split Bill keeps a running tally for the whole trip, the whole house or the whole night out, then untangles every debt into the smallest possible set of payments. Instead of six people paying each other back in circles, you get two transfers and everybody is even. WHAT YOU GET - Log an expense, mark who paid, and watch every balance update instantly - Split equally, by shares, by exact amounts or by percent — the cents always add up to the total - One Settle Up screen showing the fewest payments that clear every debt in the group - Separate groups for the trip, the flat and the dinner, each with its own people and history - A full expense history tagged by food, drinks, groceries, transport, stay, activities and shopping, plus an optional weekly settle-up reminder - A tidy who-owes-who summary you can send straight into the group chat PERFECT FOR - Friends on a trip where different people keep covering different things - Housemates sharing groceries, utilities and household costs month after month - Big dinners and nights out where one card pays the whole tab - Group gifts, weddings and events funded from a shared pot WHY NOT JUST USE A SPREADSHEET? Because a spreadsheet never tells you who should pay whom. You still have to work out the transfers yourself, chase the rounding cents, and re-share the file every time someone buys a round of coffee. Split Bill recalculates every balance the moment an expense lands and hands you the answer as a short list of payments — not a grid of numbers. Tick each payment off as it happens and the list shrinks until the group is clear. PRIVACY Everything stays on your iPhone. No account, no sign-up, no ads, no tracking and nothing uploaded anywhere. The app works with no internet connection at all. FULL ACCESS Split Bill is a premium app. Full access unlocks unlimited groups, the shares, exact-amount and percent split methods, and the complete minimal-transfers settle-up. It is available as a weekly plan, a yearly plan, or a one-time lifetime purchase. The weekly and yearly plans renew automatically until you cancel them in your Apple ID settings; the lifetime option is a single payment that never renews. Create your group, log tonight's dinner, and let Split Bill do the math before anyone reaches for a calculator. Terms of Use (EULA): https://web-levi.web.app/terms Privacy Policy: https://web-levi.web.app/privacy-policy Questions? tphuc.work@gmail.com