For flats in Bengaluru, Hyderabad, Pune, Gurugram
Priya owes you ₹9,120.
Nobody has to bring it up. Settle up opens PhonePe with the amount already filled in.
The web portal works today. The Android app is in internal testing. Munshi, the assistant, logs an expense from a sentence. Sign in with email or Google, whichever you already use.
221B Indiranagar4 members
Priya
owes you
Rohan, Meera and 1 more owe you too. Open the app to see everyone.
How it works
Rent, Blinkit orders, the water can guy, this month’s chit fund: the stuff that actually happens in a flat, logged as fast as you can type it.
No cap. No timer.
Add the Blinkit order, the water can, the gas cylinder and the maid, one after another, at the speed you can type. There is no daily limit and no deliberate pause between entries.
Settle up opens your UPI app.
Payee, amount and note already filled in. You confirm inside PhonePe, GPay or whatever you use. Cash is a first-class path too, not a consolation prize, because half of Indian flat settlements are cash.
Splits that survive a restaurant bill.
Equal, exact, percentage, shares, and line items. On an itemised bill the GST and the service charge are apportioned in proportion to what each person actually ordered, not divided evenly over everyone.
Not just the dinner bill.
A tuition pool for a shared tutor. The PG mess bill. This month, the chit-fund contribution. The maid, paid three ways. Real, recurring money between people who live near each other, not a one-off split at a restaurant.
The assistant
Tell Munshi. It writes the entry.
Type it the way you would text it, or hold the mic and say it out loud. Hinglish is fine. So is “2k”, “1.5 lakh” and half a sentence.
Munshi is named after the person who kept the bahi khata before any of this was an app. It reads the same ledger you do: it can log an expense, start a group, work out which Priya you meant, and answer what you owe someone. Everything it does lands as a normal entry you can edit or delete, because an assistant you cannot correct is worse than no assistant.
Munshi is the one part of Splitsly that costs us money every time you use it, so it is the one part a paid tier will eventually cover. Free while it is in beta, and it will never be the thing standing between you and adding an expense by hand.
Scan the bill
Point the camera. Tap a face per line.
A restaurant bill with eleven lines and four people is the worst thing to split by hand, and it is exactly the thing everyone gives up on.
Your phone reads the printed lines itself, on the device, using the text recognition already built into Android and iOS. Items land one after another as they are read, and you assign each one by tapping whoever ordered it. Tax and service charge are then apportioned in proportion to what each person actually ate, which is the part people get wrong doing it on the back of the bill.
Only the text of a line the camera could not read cleanly ever leaves your phone, never the photo. A scan you have not confirmed is never saved.
Every balance is also a link
Rohan doesn’t need the app to pay you back.
Share his balance. He opens the link, sees exactly what he owes, and pays with whatever UPI app is already on his phone, or scans the QR code if you are both standing at the door.
No download. No account. No password to forget in a week.
Taps to add a shared expense, start to done
5 taps, versus 13 on Splitwise
Five taps, about four seconds: the fastest way to log a shared expense is the only feature that decides whether the habit sticks.
We count in lakhs
Built for the way you already read money
Grouping is the fastest way to tell whether an app was built for India or translated into it. Every figure in Splitsly is grouped in lakhs and crores, and every figure uses tabular digits so a column of money lines up instead of wobbling.
- Here
- ₹1,23,45,678.00
- Everywhere else
- ₹12,345,678.00
On your phone
The same ledger, in your pocket
One account, one ledger. Add it on the phone at the table, look at it on the laptop on Sunday.
- Android first, in internal testing
- Built for a mid-range phone with 4GB of RAM, because that is what most people are actually holding. iOS follows.
- Your balance is always there
- Check what you owe on the metro. No signal needed, the ledger is already on your phone. Adding an expense just waits for you to surface.
- Two permissions, ever
- Camera, for scanning a bill. Notifications, if you want them. Never your contacts.
Questions people actually ask
Is Splitsly free?
Yes. Splitting, settling, groups, every split type and unlimited expenses are free, permanently. The only paid part is Munshi, the assistant, because that's the one feature that costs us real money every time you use it.
Can I split rent with flatmates?
Yes, that is the main thing Splitsly is built for: rent, electricity, Blinkit orders, the water can guy and the maid, split equally, exactly, by percentage or by shares, however your flat actually divides it.
Does it work with UPI?
Yes. Settling up opens your UPI app, PhonePe, GPay or whichever you use, with the payee, amount and note already filled in. Splitsly is never in the path of the payment: the money moves bank to bank inside your own UPI app, and Splitsly never holds it.
Can I split a PG or hostel mess bill?
Yes. PG deposits, mess contributions, tuition pools and chit-fund (BC) collections all work the same way as any other shared expense.
Do I need the app installed to see what I owe?
No. Every balance can be shared as a link and a QR code. Whoever owes, or is owed, opens it, sees the exact amount, and can pay with UPI without installing anything or creating an account.
Can I settle in cash instead of UPI?
Yes. Cash is first-class, not a fallback: mark a balance as paid in cash with one tap, no explanation needed.
Free forever
Not free with a cap. Not free with ads. Not free until we change our minds.
Splitting, settling, groups, every split type, unlimited expenses: free, permanently. There will eventually be a paid tier, and it will cover exactly one thing, the AI features that cost us real money every time you use them. It isn’t live yet. When it is, you’ll see the price here first, not buried in an app store listing.
The Android app isn’t out yet
Leave an email and we’ll write once, on the day it’s downloadable. No newsletter, no drip campaign.