Every feature, no fluff.
Split Wisely covers the whole life of money-between-friends: adding it, balancing it, settling it and understanding it.
Expenses in seconds
The add-expense flow is the most-used screen in the product, so it's the fastest. Describe it, pick people, done — categories suggest themselves from what you type (it knows what chai is).
- ✓Five split modes: equal, exact amounts, percentages, shares, adjustments
- ✓Multiple payers with live remaining-amount math
- ✓Fair to the last paisa — largest-remainder rounding, verified server-side
- ✓Works offline; syncs when you're back
Friends & groups that mirror real life
Trips, flats, couples and everything-else groups — plus expenses with any friend outside a group. Invite by link or QR; add placeholder friends for people who haven't joined yet, and their history attaches automatically when they do.
- ✓Group types with sensible rules (couples cap at two, naturally)
- ✓Placeholder friends — split now, they join later
- ✓Personal QR code & invite links that survive WhatsApp
- ✓Realtime balance updates for everyone, instantly
UPI-first settle up
When it's time to square up, Split Wisely opens your UPI app with your friend's VPA and the amount pre-filled. Record cash or bank settlements too — no money ever moves through us.
- ✓Pay via any UPI app — GPay, PhonePe, Paytm, BHIM
- ✓Simplify debts: a group's tangle becomes the fewest transfers
- ✓Partial settlements, multi-currency balances, full history
- ✓Confetti when you hit zero. Non-negotiable.
An activity feed that keeps everyone honest
Every add, edit, comment, payment and reminder lands in a live feed and (if you want) a notification — each one deep-linking to exactly the thing it's about.
- ✓Per-event notification controls, push and email separately
- ✓Gentle rate-limited reminders — nudge, don't nag
- ✓Comment threads on every expense
- ✓Complete edit history: who changed what, when
Go Pro when you're ready
Pro (₹99/month) unlocks every power tool. Pro AI (₹299/month or ₹2,999/year) adds the Financier coach, Savings Coach and the AI Expense Planner.
Receipt scanning & itemization
Snap the bill — amount, place and date fill themselves (on-device, private). Then assign line items to people and let tax and tip spread proportionally.
- ✓On-device OCR tuned for Indian receipts
- ✓Line-item splitting with fair tax/tip distribution
Financier — your AI money coach
A ChatGPT-style advisor that actually knows your money: your tracked spends, imported statements, splits and balances. Ask where the money went, how to budget for the Goa trip, or which category is quietly growing — it answers with your real numbers, in rich formatted detail, with full conversation history.
- ✓Grounded in your own data — no generic advice
- ✓Full conversation history, markdown answers, tables and all
- ✓Add your income & goals for even sharper coaching
- ✓Private by design: friends stay anonymous to the AI
Savings Coach — a monthly plan to keep more
Once a month, the AI reads your spending and hands you a plan: subscriptions you're paying for but not using, duplicate services, all your EMIs grouped with their total, and concrete this-month actions ranked by how many rupees they free up.
- ✓Unused & duplicate subscription detection
- ✓EMIs grouped into one clear total
- ✓Actions ranked by monthly impact — with realistic amounts
- ✓Knows what friends owe you, and nudges you to collect
- ✓Plus a dedicated EMI manager: tenure, progress and payoff dates
AI Expense Planner
The private monthly tracker (front and center, 2-tap quick-add) is free for everyone. Pro AI adds the AI layer: statement import that turns credit-card bills and Paytm/PhonePe/GPay statements into a categorised spending view, an advanced dashboard, and India-aware insights on top.
- ✓Import PDF/Excel/CSV statements — reviewed before anything saves
- ✓Password-protected PDFs unlock in-app; the password is remembered on your device, never our servers
- ✓Smart duplicate detection across statements — a RuPay card spend made via UPI won't count twice
- ✓Connect Gmail and inbox bills import themselves (you review first)
- ✓Overspend warnings, category trends, saving tips
Charts & analytics
Monthly trends, category donuts, per-group totals and your share versus the group's — all animated, all in your home currency.
- ✓Six-month spending trend
- ✓Category and group breakdowns
Search, presets & more
Full-history expense search with filters, saved default splits that auto-apply per group or friend, currency conversion at daily rates, and unlimited expenses every day.
- ✓Search by name, note, category, person or amount
- ✓Your usual 60/40? Remembered.
- ✓Unlimited expenses — the free plan's 10/day cap disappears