Our Wallet vs Split Settle

Our Wallet is an expense tracker and settlement app built for two people living together — couples, newlyweds, and roommates. Beyond recording day-to-day spending by category, Our Wallet handles what most apps don't: custom split ratios per category (say, groceries 70:30 while rent stays 50:50) and expenses paid on each other's behalf. At the end of the month, the app tells you exactly who pays whom, and how much. WHO IT'S FOR • You just moved in together and want a fair way to share costs • You'd like to split based on income — not always straight down the middle • "I paid for yours" keeps getting forgotten • Your spreadsheet works, but entering data has become a chore KEY FEATURES ◆ Quick expense entry Pick a date, category, amount, and who paid — done. Add subcategories and notes (like the store name) when you want more detail. Monthly lists and category summaries show where your money goes. ◆ Scan a receipt to log it Snap a photo of the receipt (or pick one from your library) and the date, amount, category, and store name are filled in for you — just check and save. Everything is read on your device; receipt images never leave your phone. Change the category once and the app remembers it for that store next time. ◆ Custom split ratio per category Set each category's split anywhere from 0–100%. Groceries 70:30, rent 60:40 by income, everything else 50:50 — whatever feels fair for the two of you. ◆ Personal expenses, settled together Paid for something that's really your partner's? Flag it as their personal expense and it's automatically included in the monthly settlement. ◆ Automatic monthly settlement The app combines the month's expenses, your category ratios, and personal expenses into one final amount with a clear direction — like "Alex → Sam $123". Tap "Mark as settled" to keep a record. ◆ Prepaid balance Prefer to hand over a lump sum up front? Record it once, and each month's settlement is deducted from the balance automatically — nothing to hand over each month. ◆ Recurring templates Rent, utilities, subscriptions: register them once and they're added to your expenses every month automatically. ◆ Home Screen widgets See this month's total and settlement estimate at a glance, or jump straight into entry from your favorite categories. ◆ Insights tab Build your own analysis screen from seven board types: monthly spending trend, category breakdown vs. last month, per-category trend, how the two of you have split costs over time, this month's pace, and a yearly summary. ◆ Built for two Sign in with Apple or Google, then invite your partner with a simple code. Whoever enters an expense, you both see it. FREE TO USE All features are free, supported by a small banner ad. Available in English, Japanese, Korean, Chinese (Simplified/Traditional), and Spanish. Make money one less thing to argue about — with Our Wallet.

Trips, dinners and group outings often leave several people out of pocket. Split Settle brings those payments together and calculates who should pay whom. One person enters. Everyone can settle. No accounts or installation for the whole group. Start with a group name and the participants’ names. Choose who shares each expense Enter the amount, payer and people sharing the cost. Leave out anyone who did not take part. Expenses are divided equally, with leftover minor units assigned in registration order so totals always match. A clear settlement plan See what each person paid, owes and still needs to pay or receive. Preview the result as text or images, then use your usual sharing app. Record partial repayments Record money only after it has actually changed hands. Later expenses and corrections update the remaining balances while preserving repayment records. Sharing a result does not mark it as paid. Keep separate groups Save trips and meals separately. Edit or delete expenses and repayments from History. Archive a group as read-only and reopen it when needed. 11 currencies, 10 languages Choose JPY, USD, EUR, KRW, CNY, GBP, CAD, AUD, TWD, HKD or BRL, with one currency per group. Available in Japanese, English, Korean, Simplified and Traditional Chinese, Spanish, French, German, Italian and Brazilian Portuguese. Light and dark appearance follow your device. Records and calculations work offline Records are stored on your device. Sharing and OS backups may create copies elsewhere; restoration is not guaranteed. A banner appears on the home screen and advertising uses a network connection. Payment details and names are not passed to the advertising SDK. The app does not transfer money, connect to banks, support collaborative editing or convert currencies. If the original payer receives a merchant refund, correct the original expense.