Splitting expenses with friends, family, roommates, or travel groups can quickly become confusing without a clear system. Spliteo simplifies shared expense tracking by centralizing costs, balances, and settlements in one place.
This tutorial explains how to use Spliteo step by step, from creating a group to settling balances, so shared finances stay transparent and stress-free.
What Is Spliteo and Who Is It For?
Spliteo is an expense-splitting app designed to help groups track shared costs and calculate who owes whom automatically. It is ideal for:
- Group trips and vacations
- Roommates sharing household expenses
- Couples managing common spending
- Friends organizing events or activities
By keeping all expenses and balances in a single view, Spliteo reduces misunderstandings and manual calculations.
How to Get Started with Spliteo
Create an Account
To start using Spliteo, create an account using your preferred sign-in method. Once logged in, all data is stored securely and synced across devices.
Create Your First Group
A group represents a shared financial context, such as a trip or a household.
To create a group:
- Go to the hamburger menu and open it
- Navigate to Groups page
- Select Create Group
- Enter a group name (for example, “Barcelona Trip” or “Apartment Expenses”)
- You can also add a small description for the group (such as “June 2026 trip”)
- Choose all the currencies the group will operate with (it can be added/removed later) and set the main currency by dragging the desired currency to the top (this will be the default currency the transactions will use unless other selected)
- You can also select a default group icon and color. These can be customized by each user later.
- Add participants
Each group maintains its own expenses and balances.
How to invite members to a group
For a group to be fully functional it’s best to be shared with some family, friends or whoever you want to share some expenses.
In order to invite people you should follow the following steps:
- Go into the group page
- Click on the Group Info button on the group header
- Click the invite members button on the bottom left
- You can invite participants by entering an email address and selecting Invite, by adding multiple email addresses using the Bulk Invite option, or by creating a shareable link that anyone can use.
For shareable links, it is possible to customize how many times the link can be used and set its expiration time in hours.
How to Add an Expense in Spliteo
Now that the groiup is created and people has joined the group we should add some expenses.
Add a New Expense
When an expense occurs:
- Select Add Expense
- Enter the total amount
- Add a short description (e.g., “Dinner”, “Groceries”)
- Select who paid
- Choose the date
Clear descriptions improve transparency and help avoid confusion later.
How to Split Expenses in Spliteo
Spliteo supports multiple ways to split expenses depending on the situation.
Split Expenses Equally
Use equal splitting when everyone shares the cost the same way. Spliteo automatically divides the total among participants.
Split Expenses Unequally
For more flexibility, Spliteo allows:
- Custom amounts
- Percentage-based splits
- Excluding participants from a specific expense
This is useful for cases such as shared groceries, rent, or optional activities.
Managing Multi-Currency Expenses
For international trips or mixed-currency groups, Spliteo supports multi-currency expenses.
- Expenses can be added in different currencies
- Balances are NOT converted automatically, the group will have a balance per currency.
- Group totals remain easy to understand
This avoids manual currency conversions and errors.
Understanding Balances in Spliteo
Spliteo automatically calculates balances based on all recorded expenses.
The balance view shows:
- Who owes money
- Who should receive money
- The exact amount between participants
This centralized overview eliminates the need for spreadsheets or manual tracking.
How to Settle Debts in Spliteo
Once payments are made between participants, balances can be settled in the app.
To settle a balance:
- Select the settlement option
- Choose who paid whom
- Enter the amount
- Confirm the settlement
Spliteo updates balances instantly, keeping the group accurate and up to date.
Best Practices for Using Spliteo
To get the most out of Spliteo:
- Add expenses as soon as they occur
- Use clear and consistent descriptions
- Settle balances regularly
- Use one group per trip, household, or event
These habits ensure accurate tracking and smoother group finances.
Common Questions About Using Spliteo
Can expenses be edited later?
Yes, expenses can be modified if a mistake is detected.
What happens if someone leaves a group?
Existing expenses remain unchanged, preserving balance accuracy.
Is Spliteo suitable for long-term use?
Yes, Spliteo works well for both short trips and ongoing shared expenses.
Start Using Spliteo Today
Spliteo provides a simple and transparent way to manage shared expenses without stress. By centralizing costs, balances, and settlements, it helps groups focus on what matters instead of tracking money.
Create your first group and start splitting expenses with confidence using Spliteo.