AccountMaster Expense Tracker vs SplitEx

Meet your personal accountant. Ah Cai gets out of your way. Open the app, tap "lunch 35" on the big keypad — done, filed under "Food." Three seconds. No menus, no category picking. Why Ah Cai - Fast: natural-language input, large keypad, three seconds an entry - Accurate: on-device auto-categorization that learns your habits; no cloud, no network - Complete: bill splitting, monthly stats, budget alerts, iCloud sync - Private: data stays on your device (optional iCloud); no tracking, no ads Features - Quick entry: "Taxi 28" → Transport; "-8000" → Income (or tap the Income toggle). - Auto categories: 8 expense + 5 income presets; correct it once and it remembers. - Stats: monthly cash flow, category breakdown, daily trend, month-over-month. - Bill splitting: split travel costs, auto-calc the fewest transfers, track refunds that offset expenses, and export the whole group to Excel or text to settle up in chat. - Budget: set a monthly cap and get alerts. - Backup & iCloud: JSON export, optional no-sign-in iCloud sync. Privacy first — No account, no cloud categorization, no uploading your bills. Free vs Pro — Free: tracking, list, monthly stats. Pro (one-time ¥6): budget alerts, export, themes. Ah Cai — your private accountant.

SPLIT EXPENSES OFFLINE, NO ACCOUNT, NO CLOUD SplitEx is an expense splitter that works without an account and without an internet connection. Add expenses on a plane, abroad, or anywhere with bad signal, it just works. Your groups, friends, expenses, and balances stay on your phone, not on someone else's server. Split bills, track group expenses, and settle up for trips, roommates, couples, rent, and any shared cost. WHY SPLITEX? • Works fully offline, perfect for travel and trips abroad • No account, no signup, no login, just open the app and start • Your data stays on your device, nothing is uploaded to a cloud • No ads, no tracking, no chat, no social feed • Every feature is free, pay once only if you want more than 10 groups • One-time purchase for unlimited groups, no recurring subscription SPLIT BILLS AND GROUP EXPENSES Create groups for trips, roommates, couples, family spending, events, rent, groceries, dining, and utilities. Add an expense, choose who paid, decide who shares the cost, and SplitEx works out the balances. Flexible splitting for real life: • Equal splits for quick shared bills • Unequal splits by exact amount, percentage, ratio, or adjustment • Multi-payer expenses when more than one person paid • Itemized receipts: split drinks among drinkers only, exclude someone from an item, or discount one person • Categories to organize spending • Group balances so you can see who owes whom • Full and partial settlements, with complete settlement history SHARE BALANCES IN A TAP No need to nag anyone in person. Share a clean breakdown of an expense, a friend's balance, or a whole group as plain text, then send it to WhatsApp, Messages, Telegram, Signal, email, or any app on your phone. The other person sees exactly what they owe, no SplitEx account needed. SEE WHERE YOUR MONEY GOES Insights turn your expenses into a quick picture of your spending: totals for this month, last month, or all time, a last-6-months trend, and a breakdown by category. It is all calculated on your phone, so even your spending habits never leave the device. BUILT FOR TRAVEL • Multi-currency support with a base currency per group • Enter exchange rates yourself, no rate lookup, so it works offline • Original and converted amounts on every expense • Export a trip group to CSV and share the final tally PRIVATE BY DESIGN Most group expense apps are built around accounts and cloud sync. SplitEx is built the opposite way. Everything you create is stored locally on your device. You never sign up and never hand over your financial data just to split a bill. The app has no analytics, no ads, and no tracking. It only goes online when you buy or restore Premium, or tap a link yourself. A clear in-app screen explains how your data is handled. MORE FEATURES • Dashboard with balances across all your groups • Recurring expenses for rent, utilities, and subscriptions • Reminders for upcoming recurring expenses and a weekly balance digest • Attach a receipt photo to any expense • Jot notes per group for plans, checklists, and reminders • Global search across expenses, friends, and groups • Activity log for expenses, groups, friends, and settlements • Archive groups when you are done • Encrypted backup and restore, protected by your passphrase PERFECT FOR • Travelers tracking trip expenses offline, even abroad • Roommates splitting rent, bills, groceries, and utilities • Friends splitting restaurant bills, trips, gifts, and events • Couples tracking shared expenses • Families managing household spending • Anyone who wants a simple, private bill splitter that works offline PRICING SplitEx is free for up to 10 groups, with every feature included: multi-currency, itemized splitting, recurring expenses, backups, and sharing are all free. Need more than 10 groups? Unlock unlimited groups with a single one-time purchase. There is no recurring subscription. Split group expenses privately. Track shared costs offline. Settle up with clarity.