The cozy way to track shared expenses with the people you actually like. Trips, roommates, dinners, group gifts. SplitCove keeps the math, you keep the friendships.
See how it works
SplitCove works for
No ads. No paywall after 4 expenses. No 2014 styling. Just a clean way to track who paid for what.
Equal, unequal, or by percentage. The person who had the starter and the person who had three courses do not have to pay the same. Your call, every time.
Amount, who paid, who's in. Done. The emoji even shows up automatically based on what you typed.
Add by email or phone. They get a link, no app store download required.
A circle of 3 debts becomes 2 transfers. Always the fewest payments to close out.
Get pinged when a friend pays you, when an expense is added to your cove, or the day a trip is ending. Per-channel toggles in Settings so you control the volume. No spam. No daily limits.
Log the villa in rupiah, the train in euros, dinner in pounds. Everyone still sees one clear balance in their own currency. Built for the group holiday that spans three countries.
No password. We send you a 6-digit code. One tap to verify, no app store download required.
Pick an emoji, name it, add your friends by name or email. Done in 15 seconds.
SplitCove tracks who owes whom in the background. When it's time to settle, we tell you exactly who pays whom.
This is the actual app. Swipe through and see exactly what you get before you download.
From Brooklyn brunches to Bangalore roadtrips to Dubai weekend getaways. SplitCove keeps it simple.
"Splitwise but actually pretty. I made a cove for our brunch crew and another for my roommates. We all stopped Venmo-requesting each other in 3 days."
"We took 8 friends to Goa and SplitCove handled the entire trip. The unequal splits feature saved an actual argument about who ate the chicken biryani."
"My friend group is split across Dubai and Abu Dhabi, and we travel every other month. SplitCove in AED keeps it clean. The auto-settle math is honestly magical."
"I've been the unofficial trip accountant for years. SplitCove just took that job from me, no offence. The emoji on each expense is also unreasonably cute."
"My flatmates and I used to fight about the electricity bill. We don't anymore. Cleanest interface in any finance app I've used, even compared to Cash App."
"I travel for work and split trips with colleagues constantly. SplitCove letting me create a cove per project is exactly what I needed. The web app works on every device."
"Our weekly poker night had a whiteboard tracking debts for two years. SplitCove replaced the whiteboard in one evening. Hosts now actually know who owes them."
"I've tried Splitwise, Cred Pe, a spreadsheet. SplitCove won because adding an expense feels like sending a WhatsApp message. That's the bar for me."
"I tested SplitCove with my parents who do not download apps for anything. They just opened the email invite and saw the cove. That was the test, it passed."
"We host a women's brunch every month and someone always picks up the tab. SplitCove makes the next-day Venmo round a 30-second job instead of a 30-minute one."
"Multi-currency support actually works the way I expect it to. We had a London weekend group with pounds, a Lisbon trip in euros. No confusion, no manual conversion."
"The free tier is actually free. No ads, no upsells. Splitwise made me feel like a hostage every fifth expense. SplitCove just works."
SplitCove keeps the math but drops the ads and the 2014 styling. Your friends never need an account to settle up. We will never sell your friends list. And when you outgrow the free tier, Pro is a one-time payment that lasts forever, not yet another subscription.
Yes. The free tier gives you unlimited coves and up to 6 expense entries per day across all of them, which covers most groups comfortably. Splitting, settling, sharing invites and the entire core ledger are free, with no ads and no card required. Pro lifts the daily entry limit.
Pro removes the daily entry limit so you can log a whole trip in one sitting. It is ₹99 a month or ₹999 a year. There is also a lifetime option at ₹2,999, limited to the first 30 buyers.
No. Add them by email or phone and they get a friendly invite. They can sign in from any browser to view balances and settle up. You can also use SplitCove solo and add friends as placeholders.
No. SplitCove tracks the ledger and never touches your money. You pay your friend however you normally would, in cash or through your own banking or payments app. Then you record the settlement in SplitCove, the balance clears, and everyone's view updates. We remove the maths, not your choice of how to pay.
Every time you add an expense, SplitCove updates each person's balance. When it is time to settle, it simplifies the debts so the group clears with the fewest possible payments. A tangle of eleven small IOUs can become three transfers.
Opt in once from Settings → Notifications. You get pinged when a friend pays you, when someone adds an expense in your cove, or the day before a trip ends. Each category has its own toggle so you can keep payment alerts but mute app news, or any combo. We cap at 6 pushes per user per day and bundle bursts so a noisy Saturday night becomes one growing notification, not five separate ones.
33 currencies including USD, EUR, GBP, INR, AED, SGD, CAD, AUD, JPY, and 24 more. Each cove uses one currency, picked when you create it. Your default is set from your location.
Yes, on the Play Store. The web app also installs as a PWA on Android and iOS. Tap "Add to home screen" in your browser if you prefer the lighter route.
Coming soon. If you want it sooner, email us at hi@splitcove.com and we'll prioritize it.
Join thousands using SplitCove to keep their friendships money-stress-free. Takes under 30 seconds to set up your first cove.
No credit card. No signup for friends. Free to start.