Android · in closed testing
Split bills with friends, track your own spending
Pay for the table and only your share lands in your own spending — the rest sits in the group as money owed to you. One app for the split and for what the month actually cost you.
Free — there is no paid tier and no billing code in the app. Android phones, and your Google account has to be on the tester list.
Splitmate is in a Google Play closed test. There is no public listing, so searching the Play Store finds nothing, and Play will only install it for accounts that are on the tester list — opting in through the button above is what puts yours there. It is an Android app: there is no iPhone build, and none is planned.
Not on the tester list?
Get an email when Splitmate is public
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Splitmate can only be installed through the closed test right now. Leave an address here and you will hear from us when that changes.
How it works
Three steps, and only the middle one repeats
Make a group
Name it, pick the currency it counts in, add the people who were there. Share the invite code and they join the same live group — no signup for them either, and nothing to accept by email.
Add what you spent
Amount, description, date, category. One chip says whether it was just you or a group, and a second says how the group share works out: Equal, Amounts, % or Shares, across whoever was actually there.
Settle in fewer payments
Splitmate works out who should pay whom so a tangle of balances clears in as few transfers as it can. You pay however you already do; Splitmate records that it happened, with the method you used — Cash, UPI or Other.
Why it exists
Your share, in your own spending, without typing it twice
A bill splitter tells you what the group owes. It cannot tell you what your month cost, because the round you fronted is sitting in it as one big number that was never yours. Splitmate mirrors your share — and only your share — into the Me tab as you go.
Pay ₹3,000 for three people and your own spending goes up by ₹1,000, not ₹3,000. The other ₹2,000 stays in the group as money owed to you.
What it does
Six things worth knowing
One ledger, group and solo
Your share of a group expense turns up in your own spending automatically — your share only, never the whole bill you fronted. It is the reason Splitmate exists: the Me tab already knows about the dinner you split on Tuesday, without you entering it twice.
Split it the way it actually happened
Amount, description, date, an optional note and a category. Then one chip decides whether it was just you or a group, and a second decides how the group share works out.
Settle up in fewer payments
Splitmate works out who should pay whom so a tangle of balances clears in as few transfers as it can, then records the payment you actually made. It never moves money — and when the last balance reaches zero, the group throws confetti.
A deadline you cannot quietly delete
Give a group a settlement date, an amount you are willing to be owed, or both, and anyone still short gets reminded. Then, for them, the settings lock.
Talk about it where the bill is
A thread for every group, plus one-to-one messages with people you already share a group with. There is no user directory and nothing to search, so the only way a stranger reaches you is a group you both joined.
Charts & export
One screen off the Me tab, for the month you are looking at or any range you pick, filtered to just you, to all groups, or to one of them.
No account, and nothing watching. No signup, no email, no password, no phone number, and no directory anyone can look you up in. Zero analytics, zero crash reporting, zero ads and no paid tier — none of it is in the app's dependency list at all. Expenses you log as Just me never leave the phone; a group is the part that syncs, because everyone in it has to see the same numbers. What is stored, and where
Questions
Before you opt in
How do I get Splitmate?
Splitmate is in a Google Play closed test, so there is no public store listing to search for and nothing to download from this site. You get in through the closed-test opt-in link, which is the button at the top of this page. Once you have opted in, Play installs and updates the app the same way it does any other. It is an Android app: there is no iPhone or iPad build, and none is planned.
Is Splitmate free?
Yes, and there is nothing to unlock later. The app contains no billing code at all, so there is no paid tier it could sell you even if we wanted one, and no way for it to take a payment. It carries no advertising either, and no ad SDK of any kind.
Do I need an account?
No. There is no signup, no email address, no password and no phone number, and there is no user directory, so nobody can look you up or find you by name. Splitmate does create an anonymous Firebase identity on first launch, because the server needs something to check when it decides which groups your device may read, but nothing about you is attached to it. Signing in with Google is optional and does exactly one thing: it ties that identity to your Google account so your groups and chats come back after a reinstall.
Does Splitmate work offline?
The app puts it in six words: works offline, groups sync to the cloud. Your personal ledger, and any group you have already synced, stay readable and editable with no connection at all, because everything is written to a database on the phone first. Creating a group, joining one, chat and push notifications are the parts that need the network, and they will wait until you have it.
What actually gets uploaded?
Groups, and only groups. When you create or join one, its expenses, its member names and profile pictures, its settlements and its chat thread sync to a Google Realtime Database in Singapore, along with one push token for your device. Expenses you log as Just me never leave the phone: there is no cloud copy of them, no backup, and no code path in the app that would upload one. Splitmate has no analytics, no crash reporting and no advertising SDK, so nothing about how you use it is collected at all.
Are my chat messages private?
Not in the way a secure messenger means it, and this is worth reading twice. Messages travel over an encrypted connection and sit behind server-side rules that decide who is allowed to open a thread, but they are stored as ordinary text, which means we could read them if we looked. They are not end-to-end encrypted. The push notification a new message triggers carries the message text in its body as well, so it passes through Google’s notification service on the way to the other phone. Treat a Splitmate chat the way you would treat an ordinary group chat, and not the way you would treat a private one.
Can Splitmate pay someone for me?
No. Splitmate never moves money. Settling up records a row saying that a payment happened: who paid whom, how much, and whether the method was Cash, UPI or Other. Nothing is transferred, nothing is charged, there is no card on file and there is no connection to your bank. The actual paying happens wherever you already do it. The Remind button works the same way, one step earlier: it writes a message and hands it to your Android share sheet, so you send it from WhatsApp or SMS yourself. Splitmate never sends anything itself.
How do reminders work?
You can give a group a settlement deadline, an amount you are willing to be owed before you want nudging, or both. Anyone who is still short then gets a reminder on their own phone: a local Android notification the app schedules itself, not a message anyone sends them. You pick the cadence, which is every four hours, daily, every two days, weekly, or a number of hours you choose with a floor of four. Nothing arrives between ten at night and eight in the morning. The Remind button on a settle-up is a separate thing entirely: it composes a message and opens your share sheet, and whether it ever gets sent is up to you.
Why can I not turn a reminder off?
Because turning it off would be the loophole. The settlement settings go read-only for you once two things are true at the same time: you owe money in that group, and a trigger is already live, meaning either the deadline has passed or what you owe is over the limit that was set. Raising a threshold is exactly as easy as deleting a deadline, so both arms lock together or neither does. While it is locked the sheet shows what you owe and a way through to the balances, and nothing else. Settle up, or drop back under the limit, and it is an ordinary editable form again. Everyone else in the group can still edit it; the lock is only ever on the person who owes.
Can one group use more than one currency?
No. A group has a single currency, chosen when it is created. Splitmate carries no exchange rates and does no conversion of any kind, and it never fetches a rate from anywhere. That has one visible consequence worth knowing about: the running total across the top of the Groups tab only appears when every one of your groups happens to use the same currency, and when they do not it shows how many groups you have instead. Adding unlike amounts together would produce a confident number that means nothing, so it does not. You can still choose from over 40 currencies; you just choose one per group.
Who can see my group?
Every member of the group, and anyone holding its invite code. The code is the permission: that is what makes joining a group as simple as scanning a QR, and it is also why the code is worth treating like a door key and only handing to people you actually want in. Removing someone stops them appearing in balances and stops them being included in new splits. It does not reach into their phone, so the device they already joined on keeps the copy it has until they leave the group themselves.
What happens if I uninstall the app?
Everything held on the phone goes with it, and that includes the expenses you logged as Just me, which exist nowhere else. Uninstalling is how you delete those, and it cannot be undone. Groups behave differently, because they live on the server too: the other members keep the group, its expenses and its chat exactly as they were. If you signed in with Google before uninstalling, then reinstalling and signing in again brings your groups and chats back, though your personal ledger does not, because it was never sent anywhere to come back from. Having your name, profile picture and messages taken off the server for a group you were in is a separate request, and the data deletion page explains how to make it.
Get in while it is a closed test
Free, Android, no account. Opting in puts your Google account on the tester list, and Play installs it from there like anything else.