Yes. Unlimited groups, unlimited members, unlimited expenses, no ads and no feature paywall. There is no card field at signup because there is nothing to charge you for.

No. Splitmama is a tracker, not a bank or money transmitter. When you settle up we open Venmo, PayPal or a UPI app with the amount and note already filled in — the transfer happens directly between you and your friend, and we never see it.

No. Add someone as a name and they are in every split immediately. Send them an invite link whenever you are ready — when they claim it, the history they already have comes with them.

Natural-language entry and receipt itemization are built but not switched on yet, so we label them rather than sell them. Everything else on this page works today. When they do land, the AI never writes to your ledger directly — you always see an editable draft first.

Instead of settling every individual IOU, Splitmama solves for the smallest set of transfers that clears the whole group — seven debts often collapse into two payments. You can always switch back to the raw who-owes-whom view.

Equal, exact amounts, percentages, shares, or line-by-line itemized — with multiple payers on a single expense. Every amount is stored in integer minor units, so a three-way split of $10.00 comes out to $3.34 / $3.33 / $3.33 and never drifts by a cent.

Any group exports to CSV in one click. No lock-in, no export paywall, no “upgrade to download your own data”.

Access is enforced by row-level security in Postgres, not just hidden in the interface — a row you are not a member of is not returnable to your session at all. Read the privacy policy for the full picture.