Features
What Splitmate actually does
Seven things, each one checked against the app's own source rather than against its README — which disagreed in four places, and lost. The last section is the other half: the list of things Splitmate does not do, so you can find out here instead of after installing it. Skip to what it does not do
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.
- Pay for three people and your own spending goes up by a third of the bill, not all of it. The rest sits in the group as money owed to you, so a round you paid for does not look like a month of overspending.
- The Me tab is one month at a time: a single figure for what you spent, over a feed grouped by day, with solo and split entries side by side.
- Recategorise one of those mirrored rows and Splitmate stops overwriting your choice. Unlink it and it leaves the row alone permanently.
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.
- Equal, Amounts, % or Shares, across whichever members were actually there — in the group’s own currency, chosen from over 40 currencies.
- Every entry is either Just me or a group, picked from a single chip. The payer chip only appears once there is a group to pay for, and Splitmate will not save until you have said who paid.
- Type the description and the category fills itself in — from your own past corrections first, and a built-in keyword list second. It never overrides a category you tapped yourself.
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.
- The suggestion is computed on your own phone with no server involved, and it never needs more than one payment per person minus one. Every device in the group works it out identically, so nobody sees a different plan.
- Mark it settled with the method you actually used: Cash, UPI or Other. That is a label on a record of something that already happened, not a transfer Splitmate makes.
- Remind writes a ready-made message and hands it to your Android share sheet, so it goes out from WhatsApp or SMS under your name. Splitmate never sends anything itself.
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.
- The lock needs two things at once: you owe money in that group, and a trigger is already live — the date has passed, or your debt is over the limit. Miss either and it is an ordinary editable form.
- Both arms lock together, because raising a threshold is exactly as easy as deleting a deadline. Editing the trigger away was the loophole; this is the thing that closes it.
- Reminders are local notifications on your own phone — every four hours, daily, every two days, weekly, or a number of hours you pick with a floor of four — and none of them arrive between ten at night and eight in the morning.
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.
- Reply, copy, delete for everyone, typing indicators, read receipts and push notifications. Text only, up to 2,000 characters — no voice notes and no files.
- Deleting for everyone leaves a tombstone rather than a hole: the text is erased on both sides and the row stays, so a conversation cannot be quietly rewritten.
- Messages are stored as ordinary text on the server behind access rules, and they are not end-to-end encrypted. Treat a Splitmate chat like an ordinary group chat, not a secure messenger.
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.
- A category donut whose legend adds up to exactly 100%. The percentages are apportioned against the total rather than rounded one by one, so they cannot quietly sum to 99.
- A cumulative trend line across the range, and — inside a single group — a bar per payer, so it is obvious who has been fronting everything.
- Export exactly what is on screen as a CSV, straight to the Android share sheet: eight columns, ISO dates, and plain numbers a spreadsheet will read as numbers. Export only, in one direction; nothing comes back in.
No account, and nothing watching
No signup, no email, no password, no phone number, and no directory anyone can look you up in. You give it your name and a currency, and you are in.
- Expenses you log as Just me never leave the phone. They live in a database on the device, there is no cloud copy of them, and there is no code path in the app that would upload one.
- Groups are the part that syncs: expenses, member names and profile pictures, settlements and chat go to the cloud, which is what lets everyone stay square. The ledger still works offline in between.
- Zero analytics, zero crash reporting, zero ads and no billing code — none of it is in the app’s dependency list at all, so there is nothing collecting anything about how you use it.
The other half
What Splitmate does not do
- There is no iPhone build. Splitmate is an Android app, none is planned, and an iPad cannot join a group either.
- It is not connected to your bank. Splitmate never moves money and nothing is ever paid from inside it. Settling up writes a row that records who paid whom, how much, and whether the method was Cash, UPI or Other — a label on a payment you already made somewhere else.
- It carries no exchange rates and does no currency conversion. A group counts in one currency, chosen when it is created, and a total across groups that do not agree is suppressed rather than added up.
- Splitmate does not scan receipts. You type the amount. There is no camera path into an expense and nothing to attach to one.
- There are no budgets and no recurring expenses. Nothing sets a limit, nothing compares against one, and every entry is one you added yourself.
- Export only — nothing comes back in. The spending screen writes a CSV out to the Android share sheet. There is no path in the other direction: no file picker on any entry screen, and nothing that reads a spreadsheet.
- Chats are text only — no voice notes, no files and no reactions. You can reply to a message, copy it, or delete it for everyone, and that is the whole list.
- Messages are not end-to-end encrypted. They travel over an encrypted connection and sit behind server-side rules, and they are stored as ordinary text, which means we could read them if we looked. Treat a Splitmate chat like an ordinary group chat, not a secure messenger. The privacy page says it in full
Getting it
There is one way in, and it is the closed test
Splitmate has no public listing on Google Play, so there is nothing to search for and nothing on this site to download. The opt-in link puts your Google account on the tester list, and Play takes it from there.