Splitwell vs DebtMelt

Splitwell is the free expense tracker that helps you split bills and track IOUs with the people in your life. Whether it's rent with flatmates, expenses on a group trip, or lunch with friends, Splitwell keeps track of who owes what so you don't have to. Settle up with UPI in a few taps and share a clear summary on WhatsApp. Splitwell is completely free. Every feature. No premium tier. No ads. SPLITWELL IS GREAT FOR • Flatmates splitting rent and household bills • Group trips with friends or family • Splitting a shared vacation stay • Couples tracking shared costs • Friends who eat out or hang out often • Any group that needs to keep expenses fair and simple SIMPLE TO USE • Create groups for any splitting situation • Add expenses in seconds and split them your way • Everyone in the group sees live, accurate balances • Settle up whenever you're ready SETTLE UP AND SHARE • Pay with UPI when you settle up (India) • Debt simplification, so the group settles with the fewest payments possible • Share a clear group summary on WhatsApp, with spend by category and who owes whom • Mark payments as received, with undo GROUPS AND EXPENSES • Multiple payers on a single expense • Itemized splitting, including tax and tip • Split by exact shares, not just equally • Comments on any expense • Full edit and activity history for every expense • Group activity feed so you always know what changed • Live balances that refresh when someone adds an expense • Filter expenses by category • Summary with category charts, member share, paid amounts and day wise spend • Tap any chart to see the expenses behind it • Edit guest member names anytime KEEP GROUPS TIDY • Join a group by scanning a QR code • Favorites, sections and Archive for groups you are done with • Search across all your groups FRIENDS AND PAYMENTS • A dedicated friends section to track balances with anyone, across every group and one on one • Direct person to person expenses, outside of groups • Push notifications when new expenses are added SWITCHING FROM SPLITWISE? • Import all your groups from Splitwise • Your members, expenses, payers and balances come with you • Pick up where you left off EVERYTHING ELSE • Export all your groups to Excel at once • Support for multiple currencies • Light and dark theme • Option to hide the Dashboard tab and start on Groups WHY SPLITWELL • Completely free, always. Every feature, no exceptions. • No premium tier. Nothing is locked behind a paywall. • No ads • Clean, fast, and simple to use. • Built independently by people who use the app. Splitwell is new and growing, and we're building it based on what real users actually need. If there's a feature you're missing, we want to hear about it. Email: contact@arthlabs.co

Your debt-free date is a launch date — and DebtMelt counts down to it. Enter your debts by hand (no bank linking, ever), pick snowball or avalanche, and see the exact day you hit $0. Every payment moves the date closer. No bank password. No ads. Just the math and the mission. ONE EXACT DEBT-FREE DATE Most debt apps bury you in budgets, categories, and charts. DebtMelt gives you the one number that matters: the date you will be free. Add each balance, its interest rate, and its minimum payment, set what you can pay per month, and DebtMelt computes your exact touchdown date and a live T-minus countdown. Every screen orbits that single number. MANUAL ENTRY. NO BANK LINKING. DebtMelt never asks for your bank password. There is no account aggregation and no third-party linking service holding a credential that can be breached. You type your debts; the payoff math runs on your device. Manual entry isn't a limitation — it's the trust the app is built on. (No sign-up either: your debts stay on your device and work right away. Add a free account only if you want them synced across your devices.) SNOWBALL OR AVALANCHE, SIDE BY SIDE Knock out your smallest balance first for momentum (snowball), or attack the highest interest rate to pay the least interest (avalanche). Premium puts both strategies side by side — two dates, two interest totals, one clear delta — so you can pick the burn that keeps your intensity up. WHAT-IF EXTRA PAYMENTS What happens if you add $50 a month? With Premium's what-if engine, step the extra payment up and down and watch your debt-free date move closer in real time, with the interest you save computed instantly. Every spare dollar becomes visible progress. LOG PAYMENTS, WATCH THE DATE MOVE Record each payment as you make it. DebtMelt updates the balance, recomputes the descent, and tells you exactly how many days closer your touchdown just moved. Paying down debt stops feeling endless and starts feeling like a countdown. MILESTONE CELEBRATIONS Every debt you extinguish is a stage separation. Premium celebrates your milestones — first payment logged, 25/50/75% melted, each debt paid off — so a long mission stays motivating from ignition to touchdown. FREE vs PREMIUM Free: up to 2 debts, one strategy at a time, your exact debt-free date + T-minus countdown, payment logging, monthly budget. Premium (a monthly or yearly subscription, priced in your currency on the App Store): unlimited debts, snowball vs avalanche side by side, what-if extra payments, milestone celebrations. NO ADS, EVER DebtMelt is a single-purpose instrument, not an ad platform. No banners, no "sponsored debt relief," no upsell to a loan. Download DebtMelt, enter your debts, and get your launch date. T-minus every payment. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://debtmelt.djump.io/privacy