How long does it take to set up?

Under a minute. Creating a group is two fields and a button, and the invite link is ready to share immediately.

What happens if someone does not have the app?

There is nothing to have. Splitly runs in the browser, so the invite link opens straight into the group on any phone or laptop.

Can I add an expense that only some people shared?

Yes. An expense can be split across the whole group or limited to the people who were actually involved in it.

What if someone joins late?

They can join at any time and will see the group's full history. Expenses recorded before they joined stay split among the people they were split among.

How Splitly works

Three steps, about thirty seconds to the first expense. No account, no install, nothing to configure.

1. Create a group

Give it a name — “Goa Trip 2026”, “Flat 4B”, “Friday football” — and type your own name so the others know who added what. That is the entire form.

You can also set a group code, something short and sayable like GOA2026. It is for the times a link will not do: someone reads it to you across a table, or it goes into a message you cannot tap.

2. Share the link

Every group gets an invite link. Send it to the group chat. Anyone who opens it types their name and is in — no signup screen, no email verification, no app store.

People can join at any point. Someone who arrives on day three of the trip still sees everything that was spent before they got there.

3. Add expenses as they happen

Each expense records the amount, who paid, and who it was for. The default is an equal split across everyone, which covers most of what a group actually spends money on, and you can narrow it to a few people when only a few were involved.

Amounts that do not divide evenly are handled properly: the leftover minor units are distributed across the group rather than rounded off, so the sum of the shares always equals the amount that was paid.

4. Settle up

Splitly keeps every balance up to date as expenses come in, then works out the shortest way to clear them. Rather than everyone paying everyone, it produces a minimal list of transfers — often two or three payments for a group of six.

Mark a payment as recorded once it is made, and the balances update for everyone in the group.

Frequently asked questions

How long does it take to set up?: Under a minute. Creating a group is two fields and a button, and the invite link is ready to share immediately.
What happens if someone does not have the app?: There is nothing to have. Splitly runs in the browser, so the invite link opens straight into the group on any phone or laptop.
Can I add an expense that only some people shared?: Yes. An expense can be split across the whole group or limited to the people who were actually involved in it.
What if someone joins late?: They can join at any time and will see the group's full history. Expenses recorded before they joined stay split among the people they were split among.