Split bills in rupees. Settle up with UPI.

Groups for the flat and the trip, one ledger kept in paise, and payment texts that turn into expenses you can split.

Groups with what you owe and are owed in each — Every group, where you stand

A trip group with its expenses and your share — A trip, expense by expense

A new ₹860 expense split equally between four people — A payment, already filled in

splitova keeps shared expenses in rupees. Split it, settle it over UPI, move on.

Groups for the flat and the trip, friends for a dinner. Everyone sees one ledger, kept in paise, so nobody is a rupee off.

On Android it can also watch for new payment texts once you allow it, and line up the amounts for you to split.

It runs on Android and iOS, built with Expo and React Native on a Cloudflare Worker and D1.

Splits

Four ways to divide a bill, or itemise the receipt. Edit an expense later and it remembers the shares or percentages you typed.

EqualEveryone pays the same
SharesTwo for the big room, one for the rest
ExactType what each person owes
PercentPercentages that add up to 100
ItemisedEach receipt line goes to whoever had it

₹1,000 between three

Rupees don't divide by three. The extra paisa goes to one person, so the split always adds back up to the bill.

Asha₹333.34
Ravi₹333.33
Meera₹333.33
Total₹1,000.00

Review

Turn on payment detection and new texts from GPay, PhonePe, Paytm, BHIM and your bank show up in Review as amounts. Pick one, tap Split, and the expense opens already filled in.

Nothing becomes a split until you say so.

The Review list with three payments to split or dismiss

Together

GroupsFor the flat, the trip or the office lunch
FriendsOne-to-one expenses without making a group
InvitesOne-time links and QR codes that open the app
Early addsAdd people before they join; their expenses wait for them
Settle upPay the UPI ID a friend set, in your own UPI app
OfflineChanges queue on the phone and sync when you are back

Privacy

splitova never reads your SMS history. The text, sender, merchant and time of a payment stay on the phone.

TextsOnly new ones, only after you allow it, and only the amount is kept
One-time codesOTP and UPI PIN messages are dropped before parsing
ContactsMatched by hashes made on the phone; the address book never leaves it
UPI IDsChanging one needs a recent sign-in and a confirmation on the device
The phoneAccount data is encrypted on the device, behind an app lock

Get it

splitova isn't in the Play Store or the App Store yet. Write to me for a beta build on Android or iOS.

Made by Aakash Reddy in Bengaluru.