Splitnik keeps the book for your group trip: who paid for what, for whom, in which currency. It works out everyone's share, shows every number behind it, and tells you whose turn it is to pay.
FONDUE
Oct 11 · paid by Ben & Lucy
Who pays next
David Park−€231.35One person can keep the book for everyone, or the whole group can add to it. Either way, it goes like this.
Give it a name, dates, a home currency and a cover picture.
A weight is the size of someone's share: 1 for an adult, 0.5 for a child, 2 for a couple who pay as one.
What it was, how much, who paid and who it was for. Take a photo of the receipt and Splitnik can read its lines for you, right on the iPhone.
Whoever is furthest behind picks up the next bill, so the trip stays roughly even as you go.
At the end, Splitnik lists the fewest paybacks that square everyone, each with how that person likes to be paid. Tap Record as Paid when one is done. The app never moves money itself.
Every share, rate and balance in Splitnik leads back to the expenses behind it, so nobody has to take the totals on trust.
A new expense starts with everyone in, each at their own weight. Tap All or None, tap a person to leave them out, or give someone a different weight for just this expense. The shares update as you type the amount.
Splitnik reads the receipt on your iPhone, using Apple Intelligence where your iPhone has it, and lists every line. Tap a person, then the lines they had. Tax, tip and anything nobody claimed are shared in proportion. Free, with no limit on scans.
Open anyone to see what they paid, what their shares came to, the paybacks they sent and received, and their whole history with a running balance. Any line opens the expense behind it.
Set a tolerance and round the paybacks, and small leftovers are ignored so fewer people have to pay each other. Splitnik shows exactly how much money that ignores, and every phone in the group suggests the same paybacks.
Add each currency you use on the trip and set its rate once. Amounts show in the original currency and in your home currency side by side.
Send the trip by message, email or any app: who pays whom with each person's payback details, every balance and every expense by day. From a person's screen, their part comes first.
Who pays next, your balance and the trip at a glance on the Home Screen and Lock Screen, plus a control to add an expense from Control Center or the Action button.
Every trip is a card with its own picture: a photo of yours, or one made on the iPhone with Image Playground.
Keep the receipt with the expense and a photo with each person; it replaces their initials everywhere in the app.
Everything lives on your iPhone, so it works on a mountain pass or without roaming. Shared trips catch up when you're back online.
Every one says what Splitnik is for: splitting the bill. Change it any time in Settings → App Icon.
No account, no server, nothing to sign up for. Share a trip online and it goes to Splitnik's own server so its members stay in sync, and nowhere else. Read the privacy policy.
Scanning and Image Playground run on the device. No photo is sent anywhere to be read.
Only people who joined with the code can see a shared trip. Stop Sharing deletes the server copy.
No analytics, no third-party code, and nothing is ever sold.
No. One person can keep the book for the whole group; everyone else is just a name on the trip. With Premium, anyone with an iPhone can join the trip and add their own expenses. Splitnik is for iPhone only, so friends with other phones stay names on the trip, and someone with the app adds their expenses for them.
Not for a trip you keep to yourself. You sign in with Apple only when you share a trip online or join one, because the trip then lives on Splitnik's server. You can delete the account in the app at any time.
Each person's balance is what they paid, minus their shares of the expenses, plus the paybacks they sent, minus the paybacks they received. Whoever has the lowest balance, beyond the trip's tolerance, pays next.
Anyone within the tolerance of even counts as settled. Then the people who owe pay the people who are owed, matching equal amounts first and the biggest amounts next, which settles everyone with as few paybacks as the numbers allow. Each payback is rounded to your rounding step, and the leftover is shown as ignored money.
All of them. Each trip has a home currency and any others you add, with one rate per currency that you can type in. With Premium, Splitnik downloads the day's reference rates for you. Changing a rate updates every expense in that currency.
No. Every iPhone that runs Splitnik can scan a receipt with on-device text recognition. On iPhones with Apple Intelligence, Apple's on-device model reads the lines more accurately. Either way the receipt is read on your iPhone, and you check the lines before using them.
Yes. Everything is stored on the iPhone. Shared trips sync when you're back online, and changes made offline by several people are merged.
No. Splitnik keeps the book and shows each person's payback details (a bank account, a payment app handle, whatever they typed). You pay each other however you like, then mark the payback as paid.
$3.99, once. There's no subscription. Family Sharing is on, and one purchase makes every trip you're in Premium for everyone in it, so a group only needs one.
Questions or ideas? Write to splitnik@ilyav.net.
