➕01 · ADD
Add a bill in about four seconds.
Amount first, everything else optional. Type what it was, pick who was there, and Splimo splits it equally unless you say otherwise.
- Paid by anyone in the group, not just you
- Category, date, notes and a photo of the bill stay optional
- Works offline — syncs when you’re back
👥02 · GROUPS
A trip, a flat, a lunch club.
Put related bills in a group and the balance is always one number. Add people before they’ve installed anything — send an invite link and it waits for them.
- Name it, pick who’s in, done in fifteen seconds
- Every bill, who paid and who owes, in one timeline
- Friends tab for one-to-one splits
✨03 · SIMPLIFY
One switch. Fewer payments.
Turn on Simplify debts and Splimo reroutes who-pays-whom so the whole group settles in the fewest transfers. Same money, less hassle.
- Goa trip: six payments become two
- Nobody pays more than they owe
- On or off per group, any time
⚖️04 · BALANCES
See exactly who owes whom.
Balances update the moment a bill lands. Green is coming to you, red is what you owe. No mental maths, no spreadsheet.
- Per-person balances for every group
- Suggested settlements, ready to share as an image or PDF
- Home shows your overall position at a glance
🤝05 · SETTLE
Pay how you already do. Record it in one tap.
Pay your friend in GPay, PhonePe, cash or a bank transfer — then tap Record and the balance clears for everyone. Splimo never stores UPI IDs or bank details.
- Cash, UPI, bank or card — record whichever you used
- Splimo never holds or moves your money
- Everyone in the group sees it close