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Android App FinTech Expense Splitting

Split
4You

An Android app that takes the awkwardness out of splitting bills — whether it's a group dinner, a shared holiday, or monthly household expenses. Add, split, settle.

4.8★
Play Store rating
5k+
Active users
<2s
Avg load time
∞
Split types
9:41●●●
Groups +New
🏖️ Ibiza Trip
4 people · €1,240 total
🏠 Flat expenses
3 people · ongoing
9:41●●●
Ibiza Trip €1,240
✈️ Flights
€480
Paid by Alex · 4 people
🏨 Airbnb
€560
Paid by Maria · 4 people
🍽️ Dinners
€200
Split equally · 4 people
You owe
€85
Settle up
9:41●●●
Add expense
Description
Split
Equally
Amount
€___
Add expense

Money between friends shouldn't be complicated

Existing bill-splitting apps were either too complex (requiring account setups for all participants) or too simple (just a calculator). Users wanted something that could handle a shared holiday and a monthly rent split with equal ease — without any participant needing to install anything.

The challenge was building something smart enough to handle complex scenarios (unequal splits, multiple currencies, partial payments) while keeping the interface clean and fast for the most common case: splitting dinner equally.

Smart defaults, powerful when you need it

  • One-tap equal split for the 80% case — everything else one level deeper
  • Groups that persist across multiple events and expenses over time
  • Settlement suggestions that minimise the number of transactions needed
  • Local-first so it works at a restaurant with no signal — and with no account to create
  • Material 3 design system for a native, modern Android feel
  • All data on-device, so no participant has to install or sign up for anything

Four screens to handle everything

👥
Groups dashboard with total balances
➕
Add expense with split options
📊
Balance breakdown per person
✅
Settle up with minimal transactions

Everything you need to split fairly

⚖️
Flexible Splitting
Split equally, by percentage, by exact amounts, or by shares. Each expense can have its own split logic.
👥
Persistent Groups
Create groups for holidays, flatmates, or a regular dinner crew. Expenses accumulate over time and settle when you're ready.
🧮
Smart Settlement
Debt simplification algorithm minimises the number of payments needed to settle a group — no endless back-and-forth.
📴
Fully Offline
No account, no server, no signal required. Every group and expense lives in a local database on your phone and works at remote campsites.
🗂️
Archive & Categories
Close out a finished trip without losing the history, and tag expenses by category to see where a group's money actually went.
📤
Export & Share
Export expense summaries as PDF or share a breakdown directly to WhatsApp, Telegram, or any messaging app.

Native Android, entirely on-device

Built natively in Kotlin with Jetpack Compose and Material 3 for a truly modern Android experience. There is no backend: a Room database on the device is the single source of truth, Hilt wires the dependency graph, and Navigation Compose drives the screen flow. Nothing about a group ever leaves the phone.

The debt simplification algorithm and every money calculation run locally and are covered by JVM unit tests. Sharing and backup go through CSV export rather than a sync service, and Google Play Billing handles the one-time Split4You Pro unlock.

Kotlin Jetpack Compose Material 3 Room Hilt Navigation Compose Coroutines / Flow Play Billing Gradle / KSP

Users love it

4.8★
Google Play Store rating from real users
5k+
Active users within 3 months of launch
<2s
Average app load time on mid-range devices
60%
Daily active user retention rate

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