Free. Always.

Split bills.
Stay friends.

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.

Get started, free See how it works
Loved by groups in 30+ countries
Hey 👋 Arsh
A
Net balance
+ $1,250
3 friends owe you
🏖️
Weekend trip4 people · 2d ago
+$450
🏠
Roommates3 people · 5d ago
+$800
🍕
Pizza night2 people
settled

SplitCove works for

🏖️ Trips 🏠 Roommates 🍕 Dinner 🎁 Group gifts ✈️ Honeymoons 🎉 Bachelorette ⛺ Festivals
Built for real life

Everything you need.
Nothing you don't.

No ads. No paywall after 4 expenses. No 2014 styling. Just a clean way to track who paid for what.

⚡

Add an expense in 5 seconds

Amount, who paid, who's in. Done. The emoji even shows up automatically based on what you typed.

🍕 Pizza at Britto's+$24
⛽ Petrol+$48
🛒 Groceries+$60
✉️

Friends don't need to sign up

Add them by email. We send a friendly invite when there's something to settle. They can also just use a link.

🧠

Auto-settles the math

A circle of 3 debts becomes 2 transfers. SplitCove always finds the fewest payments needed to close out.

🌍

33 currencies

USD, EUR, INR, AED, plus 29 more. Whatever currency your group uses, SplitCove handles it.

How it works

From signup to first split in 60 seconds.

1
📧

Sign in with your email

No password. We send you a 6-digit code. One tap to verify, no app store download required.

2
🏖️

Create a cove

Pick an emoji, name it, add your friends by name or email. Done in 15 seconds.

3
💸

Add expenses, settle up

SplitCove tracks who owes whom in the background. When it's time to settle, we tell you exactly who pays whom.

Friends on a beach trip
🏖️ Goa trip
Roommates having dinner
🏠 Roommates
Pizza night with friends
🍕 Pizza night
Group celebration
🎉 Celebrations
Loved everywhere

What early users are saying.

From Brooklyn brunches to Bangalore roadtrips to Dubai weekend getaways. SplitCove keeps it simple.

AJ
Aisha Johnson
Graphic designer · Brooklyn, NY
★★★★★
"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."
RM
Rohan Mehta
Software engineer · Bangalore, IN
★★★★★
"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."
FH
Fatima Al Hashimi
Product manager · Dubai, AE
★★★★★
"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."
ES
Emma Schultz
Grad student · Austin, TX
★★★★★
"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."
SK
Sneha Kapoor
Photographer · Mumbai, IN
★★★★★
"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."
OK
Omar Khalid
Architect · Riyadh, SA
★★★★★
"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."
DK
Daniel Kim
Marketing lead · San Francisco, CA
★★★★★
"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."
AM
Aarav Malhotra
Founder · Delhi, IN
★★★★★
"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."
LM
Lina Martinez
UX researcher · Miami, FL
★★★★★
"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."
YA
Yara Awad
Doctor · Abu Dhabi, AE
★★★★★
"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."
VS
Vikram Sharma
Investment banker · London, UK
★★★★★
"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."
SP
Sara Patel
Designer · Toronto, CA
★★★★★
"The free tier is actually free. No ads, no upsells. Splitwise made me feel like a hostage every fifth expense. SplitCove just works."

Why not just use Splitwise?

SplitCove keeps the math but drops the ads, the paywalls, and the 2014 styling. We don't charge you for adding more than 4 expenses a day. There is no Pro tier. We will never sell your friends list.

Common questions

FAQ.

Is SplitCove really free?

Yes. No ads, no Pro tier. We may charge for premium features one day (think automated reminders or recurring expenses) but the core will always stay free for everyone.

Do my friends need the app?

No. Add them by email 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.

Does SplitCove move money?

Not yet. SplitCove tracks the ledger. You pay your friend via Venmo, UPI, bank transfer, or cash, then mark the settlement in the app. We're considering payment integrations for v2.

Can I import from Splitwise?

Coming soon. If you want it sooner, email us at hi@splitcove.com and we'll prioritize it.

What currencies do you support?

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.

Is there an Android app?

The web app installs as a PWA on Android and iOS. Tap "Add to home screen" in your browser. A native Play Store version is coming soon.

Ready to stop chasing receipts?

Join thousands using SplitCove to keep their friendships money-stress-free. Takes under 30 seconds to set up your first cove.

Get started, free →

No credit card. No signup for friends. Free forever.