Split any way you like
Equally, by shares, by percentage, or exact custom amounts — every split method covered.
Group expenses, sorted
Split expenses.
Settle up. Stress less.
SpendWise tracks who paid what across every trip, roommate bill, and group hangout — with an AI assistant that adds expenses for you and a Smart Settle Up that works out the fewest payments to clear everyone's debts.
Free to start, no card needed
Built for mobile
ONE PLACE
Everything shared.
Everything shared.
Nothing complicated.
Whether it's a weekend trip, dinner with friends, a shared home, or a family plan, SpendWise keeps the numbers clear and the conversations easy — with an AI assistant doing the typing and Smart Settle Up doing the math.
FEATURES
Everything you need to
Everything you need to
split smarter.
Simple tools for the expenses you share every day.
AI Assistant
Describe an expense in plain English or by voice — the assistant fills in the amount, category, and split for you.
Smart Settle Up
Works out the fewest payments needed to clear every debt in a group, instead of everyone paying everyone.
Multi-currency, done right
Pay in USD, EUR, or anything else in the same group — balances stay correctly separated, never blended.
Insights & reports
See spending by category, export a PDF report, and track trends across every group you're in.
App Lock
Protect the app with your device's own PIN, password, or biometrics — your numbers stay yours.
HOW IT WORKS
Three steps.
Three steps.
No spreadsheet.
01
Create a group
Add a roommate house, a trip, or a team — invite people with a link, no account required to join.
02
Add expenses
Type it, snap a receipt, or just tell the AI Assistant — SpendWise handles the split.
03
Settle up
See exactly who owes who, send a reminder, and mark it paid — all balances update instantly.
APP PREVIEW
See your money
See your money
clearly.
A clean mobile experience designed to make shared expenses understandable at a glance — no math, no guessing who owes what.
- Know your current balance
- See your groups in one place
- Keep expense details organized
This trip
Weekend Getaway
W
Group total
$482.00
6 members
Expenses
See all
Hotel booking
Paid by Jordan
$210.00
Airport taxi
Paid by You
$56.00
You're all settledNo outstanding balance
MADE FOR REAL LIFE
Wherever people
Wherever people
share expenses.
🏖️
Trips
Hotels, food, transport, and activities — all split fairly across the group.
🏠
Roommates
Rent, utilities, and household costs, tracked without the awkward reminders.
🍽️
Friends
Dinners, outings, and shared plans — SpendWise remembers who paid last time.
👨👩👧👦
Family
Shared purchases and family expenses, kept clear across every currency.
FAQ
Questions?
Questions?
We've got you.
Everything you need to know before getting started.
When adding an expense, tap "Split" and choose "Custom" to set exact amounts or percentages for each person instead of splitting equally.
Settle Up looks at everyone's balances across a group and works out the fewest payments needed to clear all debts, instead of everyone paying everyone.
Yes — add personal expenses from the Home tab to track your own spending, budgets, and reports even if you're not splitting with anyone.
All data is encrypted in transit and at rest, and it's never sold or shared with advertisers.
Yes. Manage or cancel your subscription anytime from Google Play or the App Store — right from inside the app's Profile tab too.
GET STARTED
Ready to split
Ready to split
your next bill?
Free to download. Premium unlocks the rest, whenever you're ready.