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Bill splitting, minus the drama

Split bills with friends. Keep your money for the actual bill.

Other apps charge you to find out who owes $12 for pizza. SplitBank tracks who paid, who owes what, and the fewest payments to make it even, for roommates, trips, couples and friends. Free. No catch. We looked.

Create a free accountTry without an account
  • Unlimited expenses
  • Works on any phone
  • Pay back with the apps you use

Meanwhile, in the app

Who paid, who owes, done

Groups, balances and the fewest payments to square up. No spreadsheet, no detective work, no Dave.

SplitBank on a phone: an overall balance card and a list of groups with who owes whom
Adding a $48 dinner expense in SplitBank, split with the Tahoe Ski Trip group

Everything you need

All the features, none of the paywall

Everything you need to share costs. No “Upgrade to unlock” buttons, because there’s nothing to unlock.

How it works

Three steps to even

  1. 01

    Make a group or add friends

    Invite people with a link or by email. Groups for trips, homes and couples — or split one-off costs with a friend.

  2. 02

    Add what you spend

    Enter the amount, pick who paid, and split it equally or any other way. Balances update instantly.

  3. 03

    Settle up

    See exactly who pays whom, then pay with Venmo, Cash App, PayPal or Zelle — or record cash.

See the full walkthrough

Settle up

Pay back with the apps you already use

SplitBank opens Venmo, Cash App or PayPal with the amount filled in, shows Zelle details to copy, or records cash.

  • Venmo
  • Cash App
  • PayPal
  • Zelle

How settling up works

Built for real life

However you share, it adds up

Make it yours

Six looks, one app

Switch between Claymorphism, Neo Brutalism, Cyberpunk, Scrapbook, Liquid Glass and Bento Grid — each with its own motion, in light or dark.

Soft, moulded, tactile

  • Surfaces share the page colour and are lifted by a dark + a light shadow (one light source)
  • Inputs use inner shadows so they look pressed into the surface
  • Accent “clay” is puffy: gradient fill, inner highlight and shade, coloured drop shadow

Motion: Springy and soft — elements ease in with a slight overshoot, buttons squish when pressed.

The SplitBank groups screen in the Claymorphism visual style

Free. Like, actually free.

No Pro. No Plus. No Premium Gold Elite. Add as many expenses as you like, as often as you like. We checked, and there’s no daily limit on friendship either.

See pricingCompare with Splitwise
  • Unlimited expenses, groups and friends
  • Charts, totals and CSV export included
  • Simplify debts, recurring bills and comments

Who’s behind this

Tiny team. Big ears.

No boardroom, no investors asking about monetization, no “we’ve passed your feedback to the relevant team.” Just a few people who got tired of paying to do subtraction.

Missing a feature? Tell us.

Your request doesn’t vanish into a support queue. It lands in the inbox of the person who writes the code. If it makes sense, we’ll probably build it.

Tell us what’s missing

FAQ

Questions, answered

Yes, really. No subscription, no premium tier, no “Pro”. Unlimited expenses, groups, charts, CSV export and settle up are all included. We looked for a catch. There isn’t one.

No. You add expenses yourself in a few taps — there’s nothing to link and no bank details to share.

From Settle up they can open Venmo, Cash App or PayPal with the amount already filled in, copy your Zelle details, or record a cash payment.

SplitBank runs in your browser on any phone or computer. On your phone you can add it to your home screen and it opens like an app.

No. Create your account with a passkey — Face ID, Touch ID, Windows Hello or your phone’s screen lock. A recovery code backs it up, and adding an email is optional.

Yes. Choose “Try without an account” to start with just your name. You’ll get a recovery code to keep, and can add a passkey any time to sign in on your other devices.

Want to go deeper? Read our guides to splitting costs fairly.

Start splitting in under a minute

Free to use, with no subscription or credit card. Invite your group and add your first expense today.

Create a free accountTry without an account