How to Use SplitBill
Track your own spending first, then split shared bills when friends, roommates, trips, or dinners enter the picture.
Personal Finance
Use SplitBill as your daily expense tracker for personal spending, income, budgets, savings goals, informal debts, and recurring costs.
Set Your Currency
Set Your Currency
Start your personal finance profile by choosing the currency you use day to day. SplitBill uses this for personal expenses, income, balances, and your hidden personal group.
SplitBill can auto-detect your locale, but you can choose another currency any time if your money life is different from your device settings.
Finance Profile
Currency setup
Selected currency
Expenses
Income
Balance
Add Expenses and Income
Add Expenses and Income
Record daily spending, income, and recurring costs as they happen. Add a category, amount, description, and date so your monthly overview stays accurate.
Log small daily expenses too. Coffee, transport, and snacks are usually where the monthly surprise comes from.
Transactions
AprilGroceries
Food
Salary
Income
Metro card
Transport
Income
$2,800
Spent
$1,248
Review Categories and Trends
Review Categories and Trends
Use category breakdowns, spending insights, and month-to-month comparisons to understand where your money goes before it becomes a problem.
Check your category totals weekly. It is easier to adjust spending while the month is still in progress.
Category Breakdown
Insight
Food spending is up 12% from last month.
Track Goals, Debts, and Recurring Money
Track Goals, Debts, and Recurring Money
Keep savings goals, informal lend/borrow notes, and personal recurring bills next to your daily expense history so your full money picture stays together.
Use personal debts for informal IOUs that do not need a full shared group.
Goals & Debts
Emergency fund
$1,800 / $3,000
Laptop upgrade
$640 / $1,200
Sam owes you
$75
Group Expense Splitting
Create a group whenever money involves other people. Split travel, dining, roommate, project, or event expenses with clear balances.
Create a Group
Create a Group
Start by creating a group for your trip, household, or any shared activity. Give it a name and choose a type — Trip, Roommate, Event, or Project — so the UI adapts to your use case.
Use the "Trip" type for travel. It unlocks expense categories like accommodation, transport, and meals.
Add Your Friends
Add Your Friends
Invite members by sharing the group's unique invite code or sending a direct email invite from the Members tab. Friends join instantly — no app installation required. You can also add guest members (name-only) for people without accounts.
Share the invite code via WhatsApp or Messenger. It's the fastest way to get everyone in.
Add Expenses
Add Expenses
Log expenses as they happen. Enter the amount, choose the currency, add a description, who paid, the category, and which members share the cost. Split equally or set custom amounts.
Add expenses in the moment — don't wait until the trip ends. It only takes 10 seconds per expense.
Track Who Owes What
Track Who Owes What
The Balances tab shows a real-time summary of who owes whom across all expenses. Green means you're owed money; red means you owe. Tap any balance to see the full breakdown.
Check balances after every group expense — you'll always know exactly where things stand.
Settle Up
Settle Up
When you're ready to settle, use the Settle Up feature. It automatically calculates the minimum number of transfers to clear all balances in the group — turning many transactions into just a few.
Debt simplification can reduce a group of 6 people's 15 possible transfers down to just 5. Less hassle, same result.
Smart Receipt Scanning
Skip the manual entry. Snap a photo of any receipt and let AI do the heavy lifting — handwritten or printed, in any language.
Snap a Photo
Snap a Photo
Take a photo of any bill — restaurant receipt, handwritten note, or printed invoice. Drag and drop or use your camera.
Works best with good lighting. Even crumpled receipts and handwritten notes are recognized.
Drag & drop your receipt here
or click to browse files
Review & Edit
Review & Edit
AI extracts every item, price, and total. Review the results and adjust if anything needs correction.
Check the total — if it doesn't match, you'll see a warning. You can add or remove items manually.
Assign & Split
Assign & Split
Tap each item and choose who shares it. Tax is distributed proportionally. Everyone sees exactly what they owe.
Perfect for restaurant bills where everyone ordered different items.
Roommate Mode
Living with others? Set up recurring bills, track variable expenses, and see where your household money goes — all on autopilot.
Set Up Recurring Bills
Set Up Recurring Bills
Create bills for rent, utilities, internet. Choose fixed or variable, set frequency, pick participants. Fixed bills auto-split on schedule; variable bills wait for confirmation.
Start with your biggest recurring expense (like rent). Once it's set up, SplitBill handles it automatically every month.
Manage Your Bills
Manage Your Bills
View all active and paused bills in one place. Filter by status, see when the next charge is due, and spot variable bills at a glance. Pause a bill when someone moves out temporarily, resume when they're back.
Variable bills are marked with an amber badge so you always know which ones need manual confirmation.
Monthly Rent
Electricity
VariableInternet
Confirm Variable Bills
Confirm Variable Bills
Variable bills like electricity don't cost the same every month. When a variable bill is due, it shows up as "Pending" with a suggested amount. Review it, adjust if needed, and confirm to split among roommates.
You can change the split amounts before confirming — useful when one roommate uses more electricity or was away for part of the month.
Variable bills need your approval before splitting
Electricity
Suggested: USD 28 · Mar 5, 2026
Internet — March
USD 12 · Split equally between 3
Log Other Expenses
Log Other Expenses
Not everything is a recurring bill. Groceries, cleaning supplies, a new router — add these one-off shared expenses just like you would in any group. They show up alongside your recurring costs so nothing gets missed.
Use categories to keep things organized. At the end of the month, you'll see exactly how much went to groceries vs. household supplies vs. everything else.
Track Spending Trends
Track Spending Trends
See your household's total spending month-over-month. The trend chart helps you spot if bills are creeping up, compare seasonal changes, and have informed conversations about shared expenses.
Check this before the monthly rent meeting. It's easier to discuss shared expenses when everyone can see the numbers.
Spending Trends
Monthly spending (USD)
Frequently Asked Questions
Still have questions? We've got you covered.
Ready? Track Spending or Split a Bill
Start with personal finance, then create a group when costs become shared.
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