Split costs with friends. Skip the awkward maths.

Owlsplit keeps a running tab for trips, flats and anything you share: who paid, who owes, and the fewest payments to square up. Free, in your own currency.

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The Owlsplit home screen: your total balance, quick actions and your groups

What it does

Split it any way

Equally, by exact amounts, by percentage or by shares. Leave people out of a round, let two people pay for one bill, or make the rent repeat every month.

Adding an expense: the amount, who paid, and how it splits between four people

Settle up in fewer payments

Owlsplit nets out who owes whom, so a group clears every debt with the fewest payments. In India you can pay straight from your UPI app, and the other person confirms it.

Settle up: three payments clear every debt in the group

Bring everyone in

Invite people with a link, by email, or over WhatsApp or SMS. They join the group in one tap, and see the same balances you do.

A trip group: your balance, its expenses and its members

Start your first group

It takes a minute. Invite people when you're ready.

Get started