Free forever · no ads · no expense caps
Split expenses, track who owes what, and settle up in seconds. Splitmama handles the math so you and your friends can focus on the good stuff — no new accounts required.
Free foreverNo credit card30-second setup
Euro Trip
4 members · 12 expenses
You are owed
$425.32
Flights — round trip
You paid
Airbnb — 5 nights
Maya paid
Dinner & wine tour
Ajay paid
You are owed
$425.32
Settle up
7 → 2
For your group
Group trips
Cabins, flights, rental cars — split every way.
Shared houses
Rent, utilities, groceries — tracked to the cent.
Dinner tables
One person pays, everyone settles in seconds.
AI-native, not AI-flavored
Splitmama ships a native Model Context Protocol server. Ask Claude, Cursor, or any MCP-speaking tool to log a dinner, split a trip cost, or find the fewest transfers to settle up. Every AI action is a draft — nothing lands in the ledger until you tap Confirm.
“Split $128 dinner at The Lodge with Sarah and Mike” — from any MCP client.
Claude picks the right split, matches member names, and drops a draft in your inbox with a confirm link.
Open the link, verify the amount + split, hit Confirm. Splitmama writes the ledger row — never before.
Standard MCP over HTTP — no custom SDK, no plugin store. Pick your client:
claude mcp add --transport http splitmama https://www.splitmama.com/api/mcp \ --header "Authorization: Bearer $SPLITMAMA_TOKEN"
Mint a token at /app/settings and drop it into $SPLITMAMA_TOKEN. Tools appear in every Claude Code session across every project.
Try saying
Video walkthrough — coming soon
Drop the mp4 or Loom link into <McpSection />.
AI can't drain the ledger
Every AI-generated row lands in expense_drafts. mcp_commit_draft runs as the signed-in browser user, never as the token. Leaked token = read + draft, not write.
Scope to one group, share with housemates
Mint a token that only sees the ‘Bali Trip 2026’ group. Share it with your six co-travellers. They get an AI assistant scoped to that group and nothing else.
Splitwise doesn't have this. Nobody does.
No expense-tracker on the market exposes an MCP endpoint. This is the biggest reason to use Splitmama — every AI you already use becomes a shortcut into it.
Uses the free tier of your favorite AI (Claude, Gemini, Cursor). Splitmama never sends anything to a model directly — the client you already trust does that.
Features
Plan it, split it, settle it — and get one balance out the other end that is right to the cent.
Type it the way you would text it. When this ships, you will still confirm an editable draft before anything hits the ledger.
You: “uber to the airport 42 bucks, I paid, split with Maya and Ajay”
Min-cash-flow math collapses the group's debt web into the fewest possible transfers.
Venmo, PayPal and UPI open with the exact amount prefilled. We never touch the money.
Attach each booking to the day it belongs to and watch the per-head cost before you leave.
Add someone by name — they are in the split immediately.
Category breakdowns. Export to CSV in one click.
The whole point
Their Pro plan is $49.99 a year. This is the list from their own upgrade screen, item for item.
Based on Splitwise's published pricing. We are not affiliated with them. See the full comparison
How it works
No onboarding checklist, no imports, no bank connection. Splitmama is a ledger, so it starts working the moment you type the first expense.
A trip, an apartment, or just tonight's dinner. Add people by name — they do not need an account to show up in the ledger.
Equal, exact, percentage, shares or line-by-line itemized, with more than one payer if that is what happened. The math balances to the cent, every time.
Splitmama works out the fewest transfers that clear the group and deep-links you into Venmo, PayPal or UPI with the amount prefilled.
Early testers
Splitmama is new. These are people who ran real trips through it — and that is the whole list, because we are not going to invent the rest.
“Nine of us across three countries. One tap and it told us the four payments that clear everything.”
“Set up the Goa trip itinerary, linked every booking to an expense, and knew our per-head cost before we left.”
No logo wall here
We could paste grey company logos and a made-up user count like everyone else. We would rather you open the app, run one group through it, and decide for yourself.
Try it in a minuteYour group deserves better than a spreadsheet or a fight over who paid for dinner. Set up in 30 seconds — no app download needed for your friends.