Now in beta

Splivo settles it.

One link. Any rail. You stop chasing anyone.

Start free See pricing

No card required · Free tier is a complete product

No account required to pay Splivo doesn't hold funds

See how

Good evening

Taylor C.

Net balance

+$164.20

You're owed across 3 splits

Recent activity

Sushi Ryko — Dinner

Split 4 ways · 2h ago

+$42.75

Airbnb — Lake weekend

Split 6 ways · Yesterday

+$118.00

Uber — Home from venue

Split 3 ways · Sat

-$12.30

Pays out through the apps you already use

On the other side

What your friends see.

One link. The amount, the rails they already use, no app to install. They tap, pay, and you get a confirmation when the money lands.

Opens in any browser — no account required
Pre-filled amount routes to their preferred app
Invoice preview built-in for billed-to-business splits

SPLIVO

Pay your share

Taylor sent you a payment link.

$42.75

Sushi Ryko · split 4 ways

V Venmo · @taylor

$ Cash App · $taylor

Z Zelle

P PayPal

How it works

Three steps. Zero awkwardness.

Scan the receipt, send one link, and let everyone pay back the way they already do — you choose the splits, Splivo does the math.

Split the bill

Scan the receipt. Choose the split you want — even, by item, or by percentage. Add tax and tip however you like: proportional, fixed, covered by one person, or skipped entirely.

Send the link

One link, native share sheet. No app install required for anyone else in the group — they tap, they see what they owe, they pay.

Settle up

Once the split is set, send a single pay link. Whoever pays you picks the app they already have — no account needed, no download required.

Product

Built for the second the receipt hits the table.

Accurate math, flexible splits, and one link to send — so the money gets home fast.

Scan the bill

The OCR pulls each line item. You choose who ordered what.

Pay through any app

Friends pay through the app they already have. Splivo routes — it never custodies your money.

One link, no app install

Send one URL. Everyone taps, pays, done. No one else has to install Splivo.

Split however you want

Split evenly, by item, or by percentage. Fine-tune each person's share if you need to.

We never hold your money

Splivo doesn't hold funds or process payments. Payments happen through the provider users choose, and your data stays local-first on your device.

Tax & tip, your way

Proportional, fixed, covered by one person, or skipped entirely. You stay in control of every line.

Dinner ends, Splivo settles it. One tap, one link, and the table is square — while you're still sitting there.

Founding beta · Austin, TX

Roommates splitting rent Friend trips abroad Freelancers sending invoices Couples sharing expenses

For the moments

The receipts of real life.

Splivo is built for the every-weekend scenarios that make group money messy.

Pay any way

Venmo. Cash App. Zelle. PayPal. Crypto.

Splivo generates the link. You tap your rail. The money moves through the app you already use.

Scan

Point the camera at the receipt

Splivo reads the line items, you adjust who gets what, and the split takes seconds — no retyping from a crumpled paper.

Dinner

Italian on 6th

Four people, two bottles, one tiramisu. Split by item, tip proportional, link sent before the card comes back.

Trip

Lake weekend

Airbnb, gas, groceries, that one lunch nobody remembered. Splivo reconciles it all into clean per-person totals.

Home

Rent + utilities

Roommates, recurring splits, the same amount on the 1st. Set it up once and it repeats itself.

Invoice

Freelance payout

Send a clean pay-link. Client pays via their rail. You get a receipt. Done.

Pro

Pro is optional

The core app is free forever. Pro unlocks depth — bank-linked duplicate detection, richer invoices, templates, appearance tweaks. Skip it and nothing breaks.

Free is a complete product

No ads. Ever.

Splivo never holds money — payments route through Venmo, Cash App, Zelle, PayPal, Coinbase, Phantom, MetaMask. The free tier is the whole product, not a demo.

Free

$0 /forever

✓Unlimited expenses · 4 split methods
✓Up to 5 groups · 2 recurring bills
✓Receipt scan (manual review)
✓Pay-link to non-app friends
✓3-month history window
✓Dark theme · phone OTP · no ads