Splitvo Settle Up

Somebody grabbed the Airbnb, someone else covered dinner, a third person kept paying for Ubers, and now the whole group is doing napkin math to figure out who owes who. Splitvo Settle Up ends that. Log what everyone spent, and the app works out each person's net position and the shortest path back to even. No more chains of tiny IOUs bouncing between five people.

WHAT MAKES SPLITVO DIFFERENT

Most splitters just tell you your balance. Splitvo draws it. The signature SETTLEMENT GRAPH puts every group member on a circle and connects them with directed arrows, each labelled with the exact amount owed. A greedy minimum-transfer algorithm matches the biggest debtor to the biggest creditor over and over, so a tangle of debts collapses into the fewest possible payments. Instead of four people paying four other people, you might just see "Jordan pays Priya $254.00" and one or two more. Tap any person's node to filter the graph down to only their debts, then tap again to clear.

KEY FEATURES

• Live settlement graph with tappable nodes, directed arrows, and amount labels
• Minimum-transfer math that clears the group in as few payments as possible
• SUGGESTED ACTION card that names the single next payment to make
• Per-debt SETTLE buttons — record a payment and watch balances update instantly
• Total Spend at a glance, kept separate from settle-up payments
• Group net balances showing each person as owed (+) or owing (-)
• Add expenses split three ways: even, custom amounts, or exact percentages
• Even splits let you check exactly who was in on each expense
• Edit or delete any expense; settle payments are tracked separately with a badge
• Full expense history with payer and time for every entry
• Add, rename, and remove people with their running Owed / Owes balance
• Choose your currency symbol: $, EUR, GBP, JPY/CNY, or KRW
• Export your whole history to CSV through the Android share sheet

HOW IT WORKS

Run the quick setup: pick a group type (friends, roommates, or trip), name it, choose a currency, and add at least two people.

Tap the + button and log an expense — who paid, how much, and how to split it.

Open the Dashboard to see the settlement graph and the suggested next payment.

When someone pays up, hit SETTLE. Balances and the graph recalculate on the spot.

PERFECT FOR

• Weekend trips and holidays where costs pile up fast
• Roommates splitting rent, groceries, and utilities month after month
• Friend groups splitting dinners, tickets, and nights out
• Anyone tired of spreadsheets for shared money

PRIVACY

There is no sign-up, no login, and no cloud step to get started. Your people, expenses, and settings live in a local database on your device, and all balances and transfers are calculated right on your phone. Exporting a CSV is entirely up to you, and you pick where it goes through the standard share menu. A Reset option wipes everything locally whenever you want a clean slate. No ads, ever.

Stop arguing over who owes what. Log the spending, follow the arrows, and settle up in the fewest payments possible. Download Splitvo Settle Up and get your group square.