Everything you need to know to split expenses fairly with friends, family, or your contractor.
SplitUp makes it easy to track shared expenses and settle up fairly. Here's how to get up and running in under 2 minutes.
Create your free account
Go to splitupwith.us and click 'Get Started Free'. Enter your email and password. No credit card required for the free plan.
Verify your email
Check your inbox for a verification email from SplitUp. Click the link to verify your account.
Create your first group
Click '+ New Group' on the dashboard. Give it a name like 'Vacation Trip' or 'Apartment 4B'. You'll be added as the group owner automatically.
Add your friends
Inside the group, go to the Members tab. Click '+ Add' to add members by email, or use the 🔗 Invite button to share a link via WhatsApp or any messaging app.
Add your first expense
Click '+ Add Expense', enter the amount and description, select who paid, and choose how to split it. That's it!
The group owner's plan determines the group limits. If you're on Pro, your group members can use all features for free!
Groups are the core of SplitUp. Each group tracks expenses and balances between its members.
Click '+ New Group' on your dashboard
Free plan allows up to 3 groups. Upgrade to Pro for unlimited groups.
Give your group a name
Use descriptive names like 'Japan Trip 2026', 'Beach House', or 'Office Lunch Group'.
What you'll see:
• A text field to enter your group name
• An optional description field
• A "Create Group" button
• You're automatically added as the group owner
You have two ways to add members:
📧 By Email
Add someone who already has a SplitUp account using their email address.
🙋 As Guest
Add anyone by name only - no account needed. Great for people who don't want to sign up.
Click the 🔗 Invite button in the Members tab
Only group owners can generate invite links.
Copy the link or share via WhatsApp
The link expires after 7 days and can be used up to 10 times.
Toggle 'Require Approval' if you want to review requests
When enabled, you'll see a yellow badge on the Members tab when someone requests to join. You can approve or reject each request.
Invite links are the easiest way to add members - no need to know their email!
There are two ways to add expenses - manually or by scanning a receipt with AI.
Click '+ Add Expense' in your group
You can also use the '📸 Scan' button to use AI receipt scanning instead.
Enter the amount and description
Add a category (Food & Drink, Transport, etc.) and date for better reporting.
Select who paid
Choose the person who actually paid the bill from the dropdown.
Choose how to split
Pick from Equal split, Custom $ amounts, or Percentage splits.
The Add Expense form includes:
• Amount - enter the total bill amount
• Description - e.g. "Dinner at Mamas"
• Category - Food & Drink, Transport, etc.
• Date - defaults to today
• Paid by - who actually paid the bill
• Split type - Equal, Custom $, or Percentage
• Members - who to include in the split
Equal Split
Divides the total equally among all selected members. Best for shared meals or group activities.
Custom $ Amount
Manually enter exactly how much each person owes. Great when people ordered different things.
Percentage
Enter a percentage for each person. They must add up to 100%. Useful for shared bills where someone uses more.
Click on any expense to see the full split breakdown - who owes what and whether it's been settled.
Free plan is limited to 20 expenses per group. Upgrade to Pro for unlimited expenses.
SplitUp uses Claude AI to automatically read receipts and extract all items, prices, tax, and tip.
🤖 Powered by Claude AI - our receipt scanning handles any receipt format: restaurants, grocery stores, hardware stores, and more.
Click '📸 Scan' in your group
This opens the receipt scanner. You'll need to be inside a group to scan.
Upload a photo of your receipt
Take a clear photo or upload from your camera roll. JPG, PNG, and HEIC are all supported.
Claude AI reads your receipt
Takes a few seconds. Claude extracts all items, prices, tax, and tip automatically.
Review and edit items
Check the extracted items for accuracy. You can edit names, prices, add missing items, or remove incorrect ones. A warning appears if the total doesn't match.
Set the tip
If tip was printed on the receipt, it's auto-filled. Otherwise choose 15%, 18%, 20%, 22%, 25%, or enter a custom amount.
Assign items to people
Tap the name buttons to select who had each item. Tax and tip are automatically split proportionally based on each person's items.
Review totals and create expense
See exactly what each person owes including their share of tax and tip, then click 'Create Expense'.
The assign items step shows:
• Each item from the receipt listed individually
• Price next to each item
• Name buttons for each group member to tap
• Highlighted buttons show who's assigned to each item
• "+ Everyone" button to quickly assign shared items
• Per-person amount shown below each item
• Warning if an item has nobody assigned
For best results, take the photo in good lighting with the full receipt visible. Flatten any wrinkles before shooting.
Free plan includes 3 AI receipt scans per month. Upgrade to Pro for unlimited scans.
Tax and tip are split proportionally based on each person's items. If you ordered $30 worth of food and the total bill was $100, you pay 30% of the tax and tip. This is fairer than splitting tax/tip equally!
Settlements track who owes what and let you record payments when people pay each other back.
SplitUp automatically calculates who owes who based on all expenses in the group. Go to the Settlements tab to see outstanding balances.
🔴 You owe
You need to pay this person back for expenses they covered for you.
🟢 Owed to you
This person needs to pay you back for expenses you covered.
Go to the Settlements tab in your group
You'll see all outstanding balances between members.
Click 'Make Payment' or 'Confirm Received'
'Make Payment' is for when you're paying someone. 'Confirm Received' is for when someone paid you.
Enter the amount and payment method
You can make partial payments too - you don't have to pay the full amount at once. Select Cash, Venmo, Zelle, Bank Transfer, etc.
The other person confirms
The payment shows as 'Pending' until the recipient confirms they received it. Once confirmed it's marked as Settled.
Click "See how this is calculated" on any balance to see exactly which expenses make up the amount.
For guest members (people without accounts), the group owner can mark payments as received on their behalf. Guests auto-confirm payments since they don't have an account to confirm from.
Reports give you a clear picture of spending across your groups with export options for records.
Access from any group by clicking the 📊 Report button.
Summary cards
Total spent, you paid, your share, amount settled
Category breakdown
See spending by category with visual progress bars
Member breakdown
What each person paid, owes, settled, and still owes
Full expense list
Every expense with date, amount, and who paid
Settlement history
All confirmed payments between members
Filter reports by date range and category. Great for monthly budget reviews or tax purposes.
📄 PDF Export
Click "Export PDF" to open a print-friendly version. Use your browser's print function to save as PDF.
📊 CSV Export
Downloads a spreadsheet with all expenses, members, categories, and settlement history. Opens in Excel or Google Sheets.
Access from Dashboard → Reports tab → View All Groups Report. See combined spending across all your groups with category breakdowns and per-group summaries.
🆓 Free Plan - $0/mo
✓ Up to 3 groups
✓ Up to 5 members per group
✓ Up to 20 expenses per group
✓ 3 AI receipt scans per month
✓ Full reports + PDF/CSV export
✓ Settlement tracking
⭐ Pro Plan - $3.99/mo
🎉 Early bird: $2.99/mo for first 100 users!
✓ Unlimited groups
✓ Unlimited members
✓ Unlimited expenses
✓ Unlimited AI receipt scans
✓ Currency support (coming soon)
✓ Email notifications (coming soon)
✓ Priority support
No! Only the group owner needs a Pro plan. Your friends can join your groups, add expenses, view settlements, and use the app completely free. They only need Pro if they want to create their own unlimited groups or get more than 3 scans/month.
Click the ⭐ Pro button in the top right of your dashboard
Or go to splitupwith.us/pricing to see the full plan comparison.
Enter your payment details
Payments are processed securely by Stripe. We never see your card details.
You're instantly upgraded!
Your account upgrades immediately. All limits are removed right away.
Cancel anytime from Account Settings → Manage Billing. You keep Pro access until the end of your billing period. No cancellation fees ever.
If you have the Early Bird price ($2.99/mo), cancelling means you may not get that price again when you resubscribe!
Email us at hello@splitupwith.us and we'll get back to you as soon as possible!
© 2026 Telfos Co. LLC · SplitUp