SplitoMat vs Finances

Split bills with anyone, fast — free, no ads, no limits. SplitoMat helps you track shared expenses with friends, roommates, partners, and travel groups — without the awkward "who paid for what" conversation at the end of the month. FREE, WITHOUT THE CATCH • No ads. No subscription. Add as many expenses and groups as you want — no daily limits, no cooldown timers. • Receipt scanning, multi-currency, itemized bills and expense search are all included — never locked behind a paywall. • A clean, native iPhone app — plus Apple Watch, Siri and home/lock-screen widgets. • Looking for a Splitwise or Tricount alternative? SplitoMat does the everyday splitting without paywalling the basics. WHY SPLITOMAT • Designed for the way real groups split money: roommates, trips, dinners, kids' activities. • Multi-currency: every group has its own currency; convert between them when needed. • Smart receipts: snap a photo, we read the total and suggest a category automatically. • Recurring expenses: rent, subscriptions and standing orders are added on schedule for the whole group. GROUPS THAT MAKE SENSE • Create a group for any context: apartment, trip, household, lunch club. • Invite friends with a single link — no accounts or phone numbers required to view. • Sign in with Apple or Google. Privacy-first. SPLIT THE WAY YOU WANT • Equal split between everyone selected. • By percentage — perfect for unequal rent or shared subscriptions. • By shares — kids count as fractions, friends bring +1, you decide. • Set a group's default split once (say 60/40 by income) and every new expense uses it automatically. GET PAID BACK • Save your Revolut, PayPal, Wise or Venmo handle and let friends tap to pay. • "Settle Up" records that a payment took place so balances stay accurate. • Suggested payments minimize the number of transfers across the whole group. ACTIVITY YOU CAN ACTUALLY READ • Activity feed shows what happened in every group you're in. • Per-group filters: by category, by member, by mine-only. • Search across expenses and notes. HOMESCREEN & LOCK-SCREEN WIDGETS • Small, Medium and Large widgets on the home screen. • Lock-screen widgets: glance at your balance without unlocking. PRIVACY THAT'S ON YOUR SIDE • Your data is stored in the EU (Frankfurt), under EU data-protection law. • No ad networks, no behavioral trackers — we never sell your data or train models on your expenses. • Optional Face ID / Touch ID lock keeps your balances private. • Receipt OCR runs on-device using Apple's Vision framework. EXPORT YOUR DATA • Tap Export to get a clean CSV or PDF of any group — for your records, your accountant, or your tax software. • Or export just your own share, ready to drop into your personal budget app. LOCALIZED • English, Russian, Ukrainian, German, Spanish. QUESTIONS OR FEEDBACK? Reach us anytime at splitomate@gmail.com — we read every message. Privacy Policy: https://andriigordiienko.github.io/SplitoMat.website/privacy.html Terms of Use: https://andriigordiienko.github.io/SplitoMat.website/terms.html

How much can you spend today and still make it to payday? Finances answers with one number and shows how it adds up. SAFE TO SPEND TODAY Your account balances minus a protected reserve and every planned payment before your next income. Below it, a daily guide. If payments exceed your money, the app tells you by which date and how much you need to receive to pay everything on time. LOG IT IN TWO SECONDS "Coffee 4 from card #work" — the amount, account, category and tags sort themselves out, and "Taxi 12+8" adds up. By voice, by the QR code on a Russian receipt, with Siri, from Control Center or with one tap in a Home Screen widget. A PLAN THAT RUNS ITSELF Payments and income with any repeat: daily, on chosen weekdays, every few weeks, quarterly or yearly. Salary in two installments. A payment can record itself, and a limit can carry its remainder into next month. Start the budget month on payday if you like. A Plan calendar and a 3-, 6- or 12-month forecast. REMINDERS THAT DON'T NAG "Internet — $15, tomorrow" with a Paid button right in the notification, Received on payday, a day summary, limits running low, a subscription that got more expensive. All of them are opt-in. GOALS AND A WANT-TO-BUY LIST Goals with a savings plan: on the day, tap Saved it right in the notification. Next to them, a list of things you want, each showing from which day it won't get in the way of your payments. LOANS, INVESTMENTS AND NET WORTH Cards, cash, deposits, loans and money you lent or borrowed, all on one screen, with this month's change. A loan, mortgage or installment plan with its terms: marking a payment Paid in Plan reduces the debt, interest is shown separately, and a prepayment is worked out in advance — how much sooner the loan ends and how much you keep. Brokerage and deposit accounts show their return separately from top-ups, and savings accounts and deposits with a rate calculate interest on each day's balance and record it once a month. Accounts in any currency at central bank rates. Widgets, search and export. PRIVATE BY DESIGN No tracking, no ads, and an account is optional. Your data stays on your device. With sync through your account, records are encrypted on your device, so our server only sees ciphertext. A family budget lives in your iCloud. Face ID lock and hide all amounts with one tap. WITH A FINANCES ACCOUNT Everything above works without an account and with no time limit. A Finances account is the same one as in the web version on any computer. If it includes extended access, sign in and these tools open here: • an assistant for your own numbers: ask in plain words — "how much can I spend per day?", "where did my money go?", "when will my loan be paid off?". It answers from your data, does loan and deposit math, explains money basics and logs transactions for you. It runs right on the device; • detailed analytics for a month, three months or a year: spending pace, categories and subcategories, subscriptions, where you spend, loans and investments for the period, PDF and Excel reports; • bank statement import from PDF, Excel and CSV, plus CoinKeeper, Zenmoney and 1Money exports; duplicates and transfers are checked before anything is saved; • sync across iPhone, iPad, Mac and the web through your account, encrypted on your device, and a family budget. English, Russian, Spanish and German. iPhone and iPad with iOS 18 or later.