SplitSmart makes splitting expenses effortless — with an AI assistant that tracks, analyzes, and helps you save money smarter.
Penny is powered by Claude AI. She tracks your spending, reminds friends who owe you, and gives you a plan to be debt-free faster.
Hey! You spent $284 this month. Carlos owes you $120 — want me to send him a reminder? 👀
Yes, and how can I save more this month?
Cook at home 2× more and skip 1 streaming sub → save ~$55! I can track your debt snowball too 🎯
Built for real people, not spreadsheet nerds.
Chat with Penny to understand your spending, get personalized savings tips, and make smarter financial decisions.
Split any expense in seconds. Add categories, track who owes what, and keep everyone on the same page.
Add your debts, set minimum payments, and Penny calculates your payoff date. Progress bars, confetti, and motivation included.
Take a photo of any receipt — Penny reads it and fills in the expense details automatically. No more manual entry.
Travel with friends? Split expenses in any currency. USD, EUR, MXN, BRL and more — always free, always accurate.
Unlike Splitwise, SplitSmart never limits how many expenses you can add. No cooldowns. No forced ads. Ever.
We built what Splitwise should have been.
| Feature | SplitSmart | Splitwise |
|---|---|---|
| AI assistant | ✦ Penny AI | ✗ |
| Daily expense limit | ✓ Unlimited | 3–5/day |
| Receipt scanning | ✓ Free in beta | $40/yr |
| Ads | ✓ Never | Forced |
| Debt tracker | ✓ Snowball | ✗ |
| Early user pricing | ✓ 50% off forever | ✗ |
We're in free beta — everything is unlocked for early users. When beta ends, you'll get exclusive early-bird pricing. First 100 users get 50% off forever.
iOS and Android. Free forever during beta.
Join the waitlist and be first to hear about new features, pricing, and Pro launch.