Free forever · no ads · no expense caps
Splitmama keeps the ledger for your group — who paid, who owes, and the fewest transfers that clear it. Then it hands you off to the payment app you already use. Your friends don't even need an account.
No credit card · nothing to cancel · your data exports to CSV whenever you want
Tahoe Ski Trip
4 members · 12 expenses
You are owed
$425.32
Cabin rental — 2 nights
You paid · split equally
Balances to the cent — always.
Simplified settle-up
7 IOUs collapsed into 2 transfers.
Members
Spending by category
Built for group trips, shared houses and dinner tables
Features
Plan it, split it, settle it — and get one balance out the other end that is right to the cent.
Natural-language entryComing soon
Type it the way you would text it. When this ships, you will still confirm an editable draft before anything hits the ledger.
You: “uber to the airport 42 bucks, I paid, split with Maya and Ajay”
Debt simplification
Min-cash-flow math collapses the group's debt web into the fewest possible transfers. Flip back to the raw view any time.
AI receipt scanComing soon
tax and tip split proportionally, to the cent
One-tap settle
Venmo, PayPal and UPI open with the exact amount and note prefilled. We never touch the money — your payment app does.
Trip planner with linked expenses
Attach each booking to the day it belongs to and watch the per-head cost before you leave.
Add friends without an account
Add someone by name and they are in the split immediately. Invite them later and their history follows.
Insights and export
Category breakdowns and spend-over-time come standard, and every group exports to CSV in one click.
How it works
No onboarding checklist, no imports, no bank connection. Splitmama is a ledger, so it starts working the moment you type the first expense.
A trip, an apartment, or just tonight's dinner. Add people by name — they do not need an account to show up in the ledger.
Equal, exact, percentage, shares or line-by-line itemized, with more than one payer if that is what happened. The math balances to the cent, every time.
Splitmama works out the fewest transfers that clear the group and deep-links you into Venmo, PayPal or UPI with the amount prefilled.
Comparison
Their Pro tier is $49.99 a year. Here, the software is just free — and the two rows still in progress are labelled as such.
| Feature | Splitmama | Splitwise |
|---|---|---|
| Unlimited expenses | Free | Capped at 3/day on free |
| AI receipt scanning | Coming soon, free | Pro only ($49.99/yr) |
| Natural-language entry | Coming soon, free | Not available |
| Trip planner with linked expenses | Free | Not available |
| Add friends without an account | Free | Not available |
| Debt simplification | Free | Free |
| Charts & category insights | Free | Pro only |
| CSV export | Free | Free |
| Multi-currency support | Free | Pro for conversion |
| Ads | Never | Yes, on the free tier |
Early testers
Splitmama is new. These are people who ran real trips through it — and that is the whole list, because we are not going to invent the rest.
“Nine of us across three countries. One tap and it told us the four payments that clear everything.”
“Set up the Goa trip itinerary, linked every booking to an expense, and knew our per-head cost before we left.”
No logo wall here
We could paste grey company logos and a made-up user count like everyone else. We would rather you open the app, run one group through it, and decide for yourself.
Try it in a minutePricing
There is no Pro tier, no trial countdown and no ad slot. Everything listed below is what you get the moment you sign up.
$0per person, per month, forever
No credit card. Sign up with email or Google.
$49.99a year, for Splitwise Pro
Reference only, based on their published pricing. We are not affiliated with Splitwise.
FAQ
No caps to hit, no ads to skip, no sign-up wall for the friend who never downloads anything. Set up your first group in under a minute.
Splitmama never moves money — we track it and hand you off to your own payment app.