Splitting a bill should be quick and easy. No spreadsheets, no pointing fingers, no tallying up.

Swivvy tracks who paid and who owes, either in a group or one-on-one, and works out the shortest way to square up.

SCAN THE RECEIPT
Photograph it and Swivvy reads the total, date and item prices. Simply tap to say who had what, or split by proportions for quick settlements.

ANY CURRENCY, AT THE RIGHT RATE
Spend in yen, settle in euro. Swivvy uses the exchange rate from the day the money was actually spent, so a trip you split in March still adds up in September. More than sixty currencies for broad coverage.

IT WORKS WITH NO SIGNAL
Add an expense on the metro, halfway up a mountain, on a desert island, or anywhere you can think of. Nothing waits for a connection; every entry is saved on your device first. When you're back online, Swivvy syncs and fills in the exchange rate for the day you spent.

GROUPS, OR JUST TWO OF YOU
A shared flat, a holiday, a running tab with one person or going Dutch. Each group keeps its own currency and its own colour, so you can tell last summer's trip from this month's rent at a glance.

SETTLING UP
Swivvy suggests the fewest payments that clear everyone's balance. When someone says they've paid, the other person confirms it. Nothing moves a balance until both of you agree, which is the part that stops apps like this causing arguments.

Don't see that one friend enough to settle directly? Swivvy lets you route payments through your own preferences to ensure that everything balances out while you pay who you can.

Link your payment apps to your account so people know where to send money. Swivvy lets users settle through mutual apps with the right amount. That's as far as we go; we never take a cut.

YOUR OWN SPENDING
The Personal Expenses tab adds up what you spent against what you consumed, by category, across every group and currency at once. The two are rarely the same number, and the gap is usually the interesting part. Get real insight into your spending and consuming directly in-app.

ALREADY USING SOMETHING ELSE?
Export from Splitwise, Settle Up, Tricount or Splid, and Swivvy will rebuild the group with its history. You don't have to start from zero or persuade everyone to re-enter six months of dinners.

WHAT SWIVVY DOESN'T DO
We never process a payment. No card numbers, no bank details, no balance held anywhere. Receipts you scan are read on your phone by default, and removed from our servers after fifteen days.

Free, supported by ads.