It keeps track of who paid for what when a few people are sharing costs, then works out who owes whom at the end. A holiday, a shared house, a dinner, a weekend away. You make a group, everyone in it gets a spot, and you add expenses as they happen. TripSplitter does the arithmetic so nobody has to keep a running tally in their head.

1. Sign in at tripsplitter.com, or open the iPhone app.
2. Choose Create a Group.
3. Give it a name, something like "Lisbon 2026" or "Flat 4".
4. Pick the currency you want the final balances in.
5. Choose Single Currency if everyone is spending in one currency, or Multi-Currency if you will be paying in more than one. You can read more about that below.
6. Create the group.

You land on the People screen with a QR code ready, which is the quickest way to get everyone else in.

There are three ways. Pick whichever suits where everyone is.

Everyone is in the same room. Open the group, go to People, and choose Show QR Code. Each person points their phone camera at it, types their name and email, and they are in.

They are somewhere else. On the People screen choose Add Person, enter their email, and we send them an invitation with a personal link. They tap it and join.

Over the phone. Every group has a short group code. Read it out, and they choose Join a Group and type it in.

Yes. On the People screen choose Add Person and add them by name only, with no email.

They get a spot in the group and can be included in expenses exactly like everyone else, and they show up in the final settlement. The only thing they miss is being able to sign in and look at it themselves, or get notified when something changes. You can send them an invitation later and their history stays intact.

Yes, for iPhone, and it is free on the App Store. Sign in with the same email and your groups, expenses and balances are already there.

The website does everything the app does, so use whichever is nearer to hand. There is no Android version yet.

Single Currency means every expense is in the same currency. If you are all at home, or all on one trip spending euros, choose this. It is simpler and there is nothing to think about.

Multi-Currency is for a trip that crosses borders. You pick one settlement currency, which is what the final balances are shown in, and then you enter each expense in whatever currency you actually paid. We convert it at the exchange rate on the day and record the rate we used, so the numbers can be checked later.

You can change a group between the two modes later from Edit Group.

1. Open the group and choose Add Expense.
2. Write what it was for, like "Taxi from airport".
3. Enter the amount.
4. Choose who paid.
5. Choose how to divide it, explained in the next answer.
6. Tick who it applies to, if it was not everybody.
7. Save it.

The balances at the top of the group update straight away, and anyone with a share in that expense is notified.

There are three.

Split evenly. The amount is divided equally between the people you include. This is the one you will use most. If a bill was only for four of the six of you, untick the other two and it splits four ways.

Split by receipt items. For a bill where people had different things, a restaurant being the obvious case. You enter each line off the receipt and say who had it. Everyone pays for what they actually ordered, and anything shared, like a bottle of wine, can be split between the people who shared it.

One person owes another. Not really a shared cost at all. Use it when you covered something for one person, or when somebody pays you back. This is also what a settlement is recorded as.

1. Start a new expense and choose Scan Receipt.
2. Take a photo of the receipt, or pick one from your photos.
3. Wait a moment while it is read. The items, prices and total come back filled in.
4. Check it. It is usually right, but handwriting and creased paper can trip it up, so fix anything that looks wrong before saving.
5. Say who had each item, then save.

Everyone gets a few scans a month for free. There is a larger monthly allowance on Premium.

Yes, and nothing is ever locked. Open the expense from the group's expense list and choose Edit, or Delete to remove it entirely.

Everyone's balance recalculates immediately. If your edit changes who was involved, the people affected are told, including anyone your edit took off the expense, so nobody is left with a number that quietly changed underneath them.

Yes. Open the group on the website and choose the export option to download a spreadsheet of every expense, who paid, and how it was divided. Handy for a shared house that keeps its own records, or if you just want a copy.

For every expense we record two things: how much each person paid, and how much of it was theirs. Add all of that up across the group and each person ends up either owed money or owing money.

Then comes the useful part. Rather than have everyone pay everyone, the Settlements screen nets it all down to the smallest number of payments that clears the group. Six people might settle up in three transfers instead of fifteen.

1. Open the group and go to Settlements.
2. Look at Recommended Payments. It tells you exactly who should send what to whom.
3. Actually send the money, by bank transfer or however you normally would. TripSplitter does not move money itself.
4. Come back and choose Settle Up on that payment to record it.

Recording it adds a small entry to the group so both people can see it happened, and the balances drop to zero.

No, and deliberately so. We work out who owes whom and keep the record straight. You move the money yourself, however you normally do it. That means no payment fees, no waiting for transfers to clear, and no bank details stored with us.

If someone has added their payment details to their profile, like a payment handle, you will see it next to their name to save you asking.

Record it so the group's numbers match reality. Go to Settlements and choose Settle Up on the matching payment, or add an expense using One person owes another with the two people and the amount. Either way both of you can see it, and only the two of you are notified.

A spot is one entry in the group: one name, one balance, one share of each expense. Usually a spot is one person.

A spot does not have to have an account behind it. You can add someone by name only, invite them later, and their spot keeps all its history when they join.

Yes, and it is usually what you want as a couple. You get one entry in the group and split as one, with a single balance, but you each sign in with your own account and see everything.

To invite your partner:

1. Open the group.
2. Under your balance, choose Invite Your Partner.
3. Show them the QR code, or send them the link.
4. They open it, sign in with their own email, and accept.

If you are a group admin you can do the same for anybody from the People screen, either with a QR code or by choosing Invite Partner by Email.

Afterwards you can both add expenses, settle up and see the whole group. Anything either of you does is recorded against the shared spot, so everyone else just sees one name. You each keep your own notification settings, so one of you can turn the emails off without silencing the other.

It is not limited to two. A whole household splitting as one unit can share a spot. Sharing a spot is a Premium feature.

Both live on the People screen, and they are different things.

Unlink an account disconnects the login but keeps the spot and all its expenses. On a shared spot you choose which person to unlink, or unlink everyone. The spot can then be claimed again with a fresh invitation.

Remove a person takes them out of the group entirely. This only works once they are fully settled, owing nothing and owed nothing. That is on purpose: removing someone mid-trip would leave the group's arithmetic broken. Settle up with them first, then remove them.

Admins manage the People screen: adding people, sending invitations, unlinking accounts and removing people who are settled up. They can also rename the group, change its currency mode and archive it.

Everyone else can do all the day to day things: add expenses, edit them, settle up, comment and see everything. On a shared spot both partners have the same access, so if one of you is an admin, so is the other.

Because passwords get reused and forgotten, and a splitting app is not worth inventing another one for. Instead you sign in with a six digit code sent to your email, or with Apple or Google, or with a passkey.

There is no password on your account at all, so there is nothing to leak and nothing to reset.

A passkey lets you sign in with your fingerprint or face instead of waiting for an email code.

1. Sign in the usual way.
2. Go to Profile.
3. Find the Passkeys card and give it a name you will recognise, like "iPhone" or "Work laptop".
4. Choose Add passkey and confirm on your device.

Next time, choose Sign in with Passkey and use your fingerprint or face. A passkey belongs to the device or password manager you made it on, so add one on each device you use regularly.

There are two levels, and the more specific one wins.

For everything: go to Profile and use the notification settings there. This covers every group.

For one group: open that group and use its notification settings. Useful when one busy group is noisy but you still want to hear about the others.

You can choose email, push notifications on your phone, or neither. If you have the iPhone app installed we default to push only, on the assumption you would rather not get both.

We send a verification link when you create a group with an address we have not confirmed. If it is not verified within 12 hours, the group and the account are deleted. That is what keeps junk off the service.

You will see a warning on the group page the whole time, with a button to send the email again if it did not arrive. Check your spam folder before assuming it is lost.

Go to Profile, scroll to the bottom and choose Delete Account. You confirm by typing your email address, so it cannot happen by accident.

This permanently removes your account, the groups you created and the expense data tied to you. In other people's groups your spot becomes unclaimed and their history stays intact. If you were sharing a spot with a partner, they keep it.

Everything that matters is free forever: unlimited groups, unlimited expenses, unlimited people, settlements, multi-currency and no adverts. Premium adds convenience on top.

• Shared spots for couples. Two people, one entry in the group, one balance.
• More AI receipt scans each month. Everyone gets a few for free.
• Receipt photos attached to an expense, so you can check it later.
• Comments on groups and expenses.
• A group passcode, so anyone with the link still has to enter a code.

Premium belongs to your account and covers every group you create, so your group gets it without everyone paying.

A subscription is billed monthly until you cancel. Pick this if you are splitting things all year round, with a shared house or a partner. Your price is locked in: if we put prices up later, yours stays where it is.

A Premium Pass is one payment for 30, 60 or 90 days. Nothing renews and there is nothing to cancel, it simply ends. Pick this for a single trip. Buying another pass while one is running adds the days onto the end, so you never lose time you paid for.

You will find both side by side on the Premium page.

A Premium Pass has nothing to cancel. It runs out on its own.

A subscription bought on the website is cancelled from Billing in the account menu. You keep Premium until the end of the period you have already paid for.

A subscription bought in the iPhone app has to be cancelled through your Apple Account subscriptions in the App Store. We cannot cancel an Apple subscription for you, because Apple handles that billing, not us.

Nothing you have already set up is taken away. Shared spots stay shared, group passcodes keep working, and receipt photos and comments you have already added stay where they are.

What stops is starting new ones. You could not invite a new partner onto a spot, for instance, until you are back on Premium. Your groups, expenses and balances are never touched.

If you cancel within 7 days of being charged and have not used any AI receipt scans in that period, get in touch and we will refund you. The same window applies to a Premium Pass you have not used.

Outside that, a subscription stays active until the end of the period and we do not refund part months.

Anything bought in the iPhone app is refunded by Apple rather than by us. Request those at reportaproblem.apple.com.

The people in it. Knowing the group code lets someone look at the group, which is what makes it easy to share with the people you are actually travelling with, but it does not make them a member and they cannot add or change anything.

If you would rather the code alone were not enough, a group passcode adds a second step. It is a Premium feature.

No. We do not sell or share your data, and we do not run adverts. What you spend and who you spend it with is used to make TripSplitter work for you and nothing else.

The only companies that see anything are the ones needed to run the service: Stripe processes payments, our email provider delivers email, and Apple or Google confirm it is you if you sign in that way. Nothing more.