Four friends head to Goa. One books the hotel, another pays for dinner, and someone else keeps paying for the cabs. By the time the trip is over, nobody remembers who paid for what, and the group chat is full of people trying to work out who owes whom.
Most of us have been in that chat. Nobody enjoys it, and nobody wants to be the one who asks, "So who owes what?"
That's why we made Splitly.
Where Expense Splitting Goes Wrong
The maths is the easy part, but memory is the problem. Someone forgets to log a bill. Someone paid for everyone and mentions it three days later. Two people disagree about what "fair" means when one had a salad, and the other had the seafood platter. A two-second question turns into a twenty-message thread.
So an app for this has three essential jobs. It should record each payment as it happens, show everyone how their share was calculated, and never let a number change without anyone knowing.
That's about it, and it's what we built.
How Splitly Works
Make a group: A Trip, The Flat, or Thursday Dinner.
Add people using a phone number or email address. They don’t need an account yet.
When someone pays for something, put in the amount, who paid, and how it should be split. Everyone in the group sees it straight away, with their own share already worked out.
When it's time to settle up, pay each other the way you normally would. Cash, UPI, a bank transfer - whichever works for you. Then record the payment in Splitly and the balances update.
Splitly never touches your money, and signing up needs only an email address and a password.
Make Every Split Fair
Splitting equally is fine for a pizza. It's no good for most other things, so there are five options: equally, by exact amounts, by percentage, by shares, or by adjustments.
Exact amounts suit a dinner where everyone ordered something different.
Percentages work well for a shared subscription.
Shares are handy in a flat where one room is bigger. Split a ₹4,000 bill 2:1:1 and one person pays ₹2,000 while the other two pay ₹1,000 each.
Adjustments let you push one person's share up, and another's down when the split is almost right but not quite.
An expense can also have more than one payer, for the times two friends chip in toward the same bill.
Every Currency Has Its Own Balance
Say your trip has some expenses in rupees and some in dollars.
Most apps would squash them into one total, which means picking an exchange rate and a date. We didn't want to make that choice for you.
So Splitly shows two lines. You might be owed ₹4,390.00 and, separately, $42.50. Nothing gets converted on its own. It looks a little less tidy than one big number, but you always know what is owed in which currency, and no hidden assumptions are buried inside the total.
Know What Each Payment Covers
A payment should settle the expense it was intended for, not change other balances unexpectedly.
In Splitly, every recorded payment is linked to the balance it settles, whether that's the whole group or a specific amount between two people.
This matters when the same friends share expenses across different activities. A transfer intended for the household bills shouldn't accidentally be counted against a weekend trip. Keeping those records separate makes the final balance easier for everyone to understand.
Stay Updated Without the Spam
Expenses, payments, and new people joining all land in one Activity feed, so nobody has to scroll back through the chat for the latest numbers.
You get an email or push alert when a balance actually changes. If a few things change at once, they come as one message instead of five. And a notification never shows an amount, which is useful when your phone is lying face up on the table.
Your Information Stays Private
Money is awkward enough without strangers looking you up.
People can find you only by your exact phone number or email address, never through a partial search, and Splitly doesn't show one person's contact details to another.
Edits and deletions stay in the group's history with the name of whoever made them, so a balance can't change without a record.
If you decide to leave, you can delete your account once every balance is zero. Your name, email, phone, and photo go, but the expenses stay, because they're your friends' records as well.
Use Splitly Without Limits
Splitly doesn't cap how many expenses or payments you record. Use it for one weekend away, or for rent and groceries all year. Some other apps limit what you can do for free, so it's worth checking before you settle on one.
It runs in your browser. Add it to your home screen, and it opens full screen with its own icon, in light or dark mode, and it updates itself. No store and no download.
Pay as Usual, Track It With Splitly
UPI handled 24.07 billion transactions in September 2026, according to NPCI.
Paying a friend takes seconds. Remembering what the payment was for is the bit that still goes wrong. Splitly doesn't try to replace UPI. You pay however you normally do, then record it.
Common Questions About Splitly
Does Splitly handle my money?
No. You pay by cash, UPI, or bank transfer and record it in the app.
Does it convert currencies?
No. Each currency stays as its own balance.
Do my friends need accounts?
Not to start. You can add them with a phone number or email before they sign up.
Can someone edit an expense in secret?
No. Edits and deletions show in the group's history, along with who made them.
Can I delete my account?
Yes, once all your balances are zero. Your personal details are removed, and the expenses stay for the group.
Try Splitly With Your Next Bill
Splitting expenses shouldn't require endless messages, complicated spreadsheets, or uncomfortable conversations about money. A clear record makes it easier for everyone to understand what they've paid, what they owe, and when everything has been settled.
Next time you share a meal, plan a trip, or split household bills, create a group on Splitly and add your first expense. Let it keep track from there. Start at splitly.mynextdeveloper.com.
Splitly is operated by MND Technologies Private Limited, the company behind MyNextDeveloper.
TL;DR
Splitting a trip bill goes wrong because nobody remembers who paid, not because the sums are hard. With Splitly, you note each expense as it happens, pick how to split it (five ways, so it doesn’t have to be equal), and the app keeps count of who owes whom. Rupees and dollars stay as two separate balances instead of being mashed into one made-up number. You still pay your friends the usual way, such as cash or UPI, and just log it afterwards.
Splitly never touches your money, and there’s no limit on how many expenses you add.
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