~/projects/splits
Waitlist · splitshq.com
Splits
Your half of rent, settled before you ask.
Link your bank, mark the bills you share, and Splits tracks who owes who as transactions land. You settle up in Venmo or Cash App, so Splits never touches your money. Web is on a waitlist; iOS and Android apps are in active development.
- Bank-linked
- Auto-detect recurring
- iOS & Android in progress
- of your money handled
- 0%
- recurring detection
- Auto
- in active development
- iOS + Android
$ how it works
Three steps. Then it runs itself.
You set it up once. The rest is the app paying attention so you don't have to.
01 Connect your bank
Plaid handles the link. Splits gets read-only access to the transactions you'd see in your banking app. Sandbox during the waitlist period, real banks once production Plaid access is granted.
02 Mark what you share
Tell Splits which transactions belong to which person. Rent with Jamie. Spotify Family with Sam. Set the rule once and Splits handles every future charge.
03 Settle when you want
Balances update as new transactions land. When you're ready to settle, Splits hands you off to Venmo or Cash App with the amount pre-filled. We never hold your money.
$ under the hood
Boring fintech, on purpose.
Money apps fail loudly. Splits is built so the dull, invariant stuff just keeps working.
Recurring, on autopilot
Set one rule for rent, or utilities, or the streaming bundle, and Splits keeps splitting it every month. No reminders, no spreadsheets.
Live balances
Add a bill, your friend sees it. Mark something paid, the balance drops on their phone too. Powered by realtime over a single subscription per user.
We never touch money
Splits is a ledger, not a wallet. Settling up hands off to Venmo or Cash App with the amount and recipient pre-filled, and the actual money never passes through us.
Math that doesn't drift
Every split is computed by one pure-TS engine, so the web app, the tests, and any future mobile client all agree on the balance.
Idempotent by design
Every imported transaction carries a deterministic fingerprint, so when Plaid sends the same charge twice, no one gets double-billed.
Locked at the database
Row-level security in Postgres means each user can only see their own data, even if a bug in the app tries otherwise.
$ why I built this
The spreadsheet that wanted to be an app.
I have a roommate. We split rent, utilities, the streaming bundle. Every month I'd open a spreadsheet, add up the receipts, send a Venmo request, follow up when she didn't pay yet, then forget half of it the next month and do it all again.
Splits is what that spreadsheet wanted to be. Connect your bank, tell it who shares what, and stop thinking about it. The IOU updates itself. You settle when you want, the way you already pay people back.
Waitlist · early access
Join the waitlist.
Head to splitshq.com to join the waitlist. I'm onboarding users in batches while Plaid runs in sandbox mode, so early access is safe to explore with simulated banks. Native iOS and Android apps are in development alongside the web client.
Recruiters: if you'd like to skip the waitlist and try the app, email mustafa.alhelawe@gmail.com and I'll send over an invite.
- Now: waitlist live · bank linking · auto-split · realtime balances · Venmo / Cash App handoff
- In progress: native iOS app · native Android app · production Plaid · group bills
- Later: shared subscriptions detector · smart settlement reminders