Split Wisely — Split & Track

Cognitive Squad

In-app purchases

About this app

The modern way India splits expenses.

Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless — and actually pleasant to look at. Add an expense in seconds, see exactly who owes whom, settle in one tap with any UPI app, and keep your own spending tracked privately on the side.

SPLIT WITHOUT THE AWKWARDNESS
• Groups for trips, homes, couples and everything else
• Every split style: equally, exact amounts, percentages, shares, +/- adjustments
• Multiple payers, multi-currency, receipts, notes and comments
• Balances computed precisely to the paisa — no rounding disputes

SETTLE UP IN SECONDS
• One-tap settle with your UPI app, pre-filled with the right amount
• Simplify debts inside groups — fewest possible transfers
• Gentle reminders (never spammy — one per day, only when they owe you)

YOUR PERSONAL MONEY TRACKER (free)
• A private tracker at the center of the app — add a spend in 2 taps
• Monthly view with history, categories and daily averages
• Nothing here is shared with anyone

YOUR OWN AI MONEY COACH (Pro AI)
• Financier — chat with an AI that actually knows your spending, splits and balances
• Savings Coach — a monthly report: unused subscriptions, EMIs, concrete ways to save
• Import credit-card and Paytm / PhonePe / Google Pay statements (PDF, Excel, CSV)
• Connect Gmail and bills in your inbox import themselves — you review first
• AI reads, categorises and de-duplicates across every source — even a card spend made through UPI showing up in two statements
• Statement files are deleted right after processing
• Monthly AI insights: overspend warnings, trends, saving tips

EMIs UNDER CONTROL (free)
• Every loan in one place: monthly load, months left, payoff date
• EMI-like payments detected automatically from your spends

SPLIT WISELY PRO — ₹99/month · PRO AI — ₹299/month or ₹2,999/year
Pro: unlimited daily expenses, receipt scanning, itemization, advanced dashboard and charts, expense search, saved default splits, currency conversion. Pro AI: everything in Pro plus the Financier chat, Savings Coach, AI statement import and Gmail bill sync.

PRIVATE & SECURE BY DESIGN
• Your data lives in India (Mumbai region)
• Bank-grade security rules on every record
• Biometric app lock, full account deletion in-app

Fair with friends. Smart with money. Split Wisely.

What’s new

Fixed: subscriptions now activate immediately after purchase.

If you subscribed recently and your plan did not unlock, open Split Wisely, go to the Pro screen and tap "Restore purchases" — your plan will activate right away. You will not be charged again.

Also improved: if a purchase cannot be confirmed straight away, the app now retries it automatically instead of losing it.