Spl|tOne

Where transactions find balance.

Track privately, share for awareness, or settle with friends — one precise ledger.

Download on the App Store Open Web App
Spl|tOne

Sharing modes

Three ways. One ledger.

Same expense record. You choose who sees what — and whether anyone owes anyone. Settle up clears Settle-mode balances when you’re ready.

Chat & friends

Talk where the money is.

Every group and friend has a thread — with expenses, settlements, and receipts posted inline. Add friends by username, message them directly, and react, reply, or share a photo without leaving the ledger.

  • Group & direct chat

    Real-time threads for every group and one-to-one with friends — replies, reactions, read receipts, and typing.

  • Money in context

    Expense, settlement, and capture cards land in the conversation. Tap through to the record.

  • You’re in control

    Mute, clear, block, report, or leave — familiar controls, built for money.

Capture

Built for real bank flow.

Honest platform capabilities — never a fake SMS listener on iOS.

  • Android

    Notification capture with explicit consent — review alerts before they become expenses.

  • iOS

    Share Sheet and camera OCR for receipts. Bank-link when you’re ready — not theater.

  • Aware groups

    Members get expense summaries by default — never raw notification text.

Personal money

Your books, not just the group chat.

Track spend, set budgets, and see what’s due on a calm calendar — the same ledger that powers your groups.

Settle

Mark paid. Keep the proof.

Close balances with a clear mark-paid flow and optional payment proof — so settle-up stays precise, not awkward.

  • Balances

    Who owes whom, in one quiet list.

  • Mark paid

    Record the settlement when money moves.

  • Payment proof

    Attach a receipt or screenshot when you need a record.

Why SplitOne

Built for more than settle-only splitting.

One ledger for private tracking, household awareness, and classic settle-up — so you don’t need a second app for your own books.

  • 01

    Private, aware, or settle

    Same expense record. Private is yours, Aware is visibility only, Settle tracks IOUs — then Settle up when you’re ready.

  • 02

    Your tracker stays yours

    Budgets, calendar, and personal spend live beside groups — one precise ledger.

  • 03

    Honest capture

    Android notification review with consent; iOS Share Sheet and OCR — never a fake SMS listener.

  • 04

    Settle with proof

    Mark paid and attach payment proof. Region rails when you need them — proof-first, not awkward.

  • 05

    Chat where the money is

    Group and direct threads with expenses, settlements, and receipts inline — plus mute, block, and report controls.

  • 06

    Friends, by username

    Find people by username, send friend requests, and message one-to-one — the social layer lives in the same ledger.

Compared to settle-only apps

If you’re used to Splitwise-style balances or Timely Bills–style bill tracking, here’s how SplitOne differs — without forcing every expense into an IOU.

SplitOne Settle-only apps
Sharing modes Private, aware, and settle Mostly settle / shared IOUs
Personal tracking Built into the same ledger Often a separate habit
Capture Platform-honest by design Manual entry first
Chat & friends Built-in group + direct chat Bolt-on comments or none

Get started

Get SplitOne

On iPhone today. Android on Google Play is next. You can also start in the browser.

Available now App Store Google Play Coming Soon Available now Web App

iPhone: Download on the App Store. Browser: app.splitone.app. Google Play coming soon.