An expense sharing app that does not ask you to sign up

What to compare, whichever app you pick

Shared-expense apps look similar in a feature list and differ enormously in use. These are the things that actually decide whether a group keeps using one after the first week.

• How many people have to make an account before the group works. Every signup is someone who never joins, and a group with half its members missing does not balance.
• How long adding one expense takes. This is the action that happens fifty times; everything else happens once.
• Whether uneven amounts are handled to the smallest unit or rounded. Rounding drifts, and a ledger that drifts gets argued with.
• How settling up is presented. A list of every pairwise debt is technically correct and practically useless.
• What happens with no connection. Expenses happen in restaurants, taxis and basements.
• What it costs, and which features sit behind the paywall.

What Splitly does

• No account for groups. One person creates a group and shares a link; anyone with the link is in. No email, no phone number, no app install.
• Splits to the last paisa. Remainders are distributed rather than rounded, so the shares always add up to what was spent.
• Settles in the fewest payments. Balances are netted and matched largest-against-largest, so a tangled group clears in a handful of transfers.
• Works offline. Expenses added without a connection are sent when there is one.
• Installs as an app. Add it to your home screen from the browser; there is nothing to download from a store.
• Free for splitting and settling, with no paid tier gating them.

What it deliberately does not do

An honest comparison includes the gaps, because they are the reason to pick something else.

• It does not move money. Splitly tells you who should pay whom; the payment happens in your own banking or UPI app.
• It does not connect to your bank. Expenses are entered, not imported.
• It does not do budgets or personal finance dashboards. It is about money shared between people.
• Because a group needs no account, anyone with the link can read that group. That is the trade-off, and it means a group is not the place for anything sensitive.

Where it fits best

Group trips, flatshares, and any set of people who repeatedly pay for things on each other's behalf. The no-signup model matters most exactly there — those are groups where one or two people will never get round to making an account, and their absence is what breaks every other app for the whole group.

Frequently asked questions

Is Splitly free?

Yes. Creating groups, adding expenses, splitting them and settling up are free, and there is no paid tier that gates them.

Does everyone in the group need to install something?

No. The group opens in any browser from the link. It can be added to a home screen if someone wants it to behave like an app, but that is optional.

Can I move my existing group across from another app?

There is no import at the moment. In practice most groups start fresh from their current balances, which takes a minute: create the group and enter what each person is currently owed as a starting expense.

Does Splitly handle unequal splits?

Yes. Each expense records exactly who it was for, so something only part of the group shared is charged only to them, and amounts can be entered exactly or as percentages.

What is the catch with no signup?

Anyone holding the group link can read the group. It is the same trade-off as a shared document link, and it is why group links should be shared only with the group.