SplitSmart · AI expense splitting, for friends and yourself

One app, every ledger

Money moves between people. Your apps pretend it doesn't.

A trip with friends, your own monthly budget, the ₹500 a friend still owes you, the wedding you're saving for. It's all one financial life. SplitSmart keeps it in one place.

Groups that settle themselves

Create a group, share a 6-letter code, add expenses. SplitSmart simplifies who-owes-whom into the fewest payments and everyone settles by UPI.

KVasu pays Samay₹2,800

▸ Pay via UPI · one tap

Your own spending, private

A personal tracker with monthly budgets, category breakdowns, and a month-end wrap you can share. Encrypted end to end, invisible to everyone including us.

₹18,400 spent₹40,000 budget

Food is 38% above last month⚠

Khata: lending, remembered

Money you lend to friends, family, or the local shop never fits in a splitting app. Here it gets its own ledger: you gave, you got, settled.

NNamanowes you ₹1,150

LLandlordyou owe ₹8,000

Projects for the big spends

A wedding, a house, a bike. Long-running goals get their own isolated ledger with a target, so a big month never wrecks your regular budget stats.

WWeddingtarget ₹5,00,000

₹3,20,000 spent₹1,80,000 left

Insights & monthly wrap

AI reads the month and tells you what changed. At month end, a shareable wrap card of your spending story.

Installs from the browser

A full app with no download. Add to home screen, works offline, syncs when you're back. Light and dark theme, your choice.

AI does the typing

Paper in. Structured expense out.

Photograph any bill and SplitSmart reads every line item, picks the category, and splits it with your group. No forms, no math at the dinner table.

Or just type it like you'd say it:
"Dinner at BBQ Nation ₹2400 paid by Rahul" and the expense fills itself in.

Parsed by SplitSmart AI

TitlePunjabi Angithi

Amount₹682.50

Category🍽️ food

Split4 ways · ₹170.63 each

Privacy is the product

Your personal money is nobody's business. Including ours.

✓

Encrypted on your devicePersonal expenses, budgets, and khata entries are sealed with AES-256 before they ever leave your phone.

✓

We hold ciphertext, not dataOur servers store scrambled blobs they cannot read. There is nothing to sell, leak, or subpoena in plain text.

✓

You hold the only keyOne password plus a 12-word recovery phrase. Your key never touches our servers.

AES-256-GCMArgon2idBIP-39 recoveryZero-knowledge server

Sixty seconds to your first split

How it works

Step 1

Make a group, share the code

Friends join with a 6-letter invite. No accounts needed to be added, no phone book access demanded.

Step 2

Add expenses your way

Type a sentence, scan the bill, or fill the form. Equal splits, custom splits, or just the two people involved.

Step 3

Settle up by UPI

One tap opens the payment with the exact amount filled in. Mark it paid and watch the group go green.

Split the trip. Track your money. Keep every khata clean.