Varlio vs Split Settle

Your spending, accounts and savings — in one app. Log income and expenses. See what your gold and FX are worth today, and the profit or loss against what you paid. Share a household account with family or a roommate. Free. No bank connection. No credit card to sign up. INCOME & EXPENSES See what you earn and what you spend. Categorize transactions. Keep cash flow separate from asset moves. ASSETS Gram gold, quarter gold, FX, cash, a car or a home. Save your cost basis; watch the current value. SHARED HOUSEHOLD Who owes whom? Track shared bills and net balances. What you don’t share stays private. MARKETS Follow gold and FX prices. Holdings update with the latest rate. ACCOUNTS & GOALS All balances in one place. See how far you are from a down payment, a trip, or a spending limit. ANALYTICS See where the money went. Compare cash flow month to month. WEB + IPHONE The same account on your phone and at varlio.app. Sign in with Google or Apple. Delete your account anytime from Profile.

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.