SplitPal
A Group Expense Tracker With No Login, No Sign-Up, No Download
Most expense apps make everyone create an account before anyone can add a single expense. That is why the group chat still ends up doing the math: five people, five sign-ups, and the dinner is long over. SplitPal works the other way around. One person makes a tab, shares a link, and everyone is in. No login, no account, nothing to install.
How it works without an account
1. Create a tab
On splitpal.io, type a name for the tab and pick its currency. That is the whole setup. There is no email to enter, no password to invent and no verification message to wait for.
2. Share one link
Every tab has its own link. Paste it into the group chat, the trip thread or the house WhatsApp. That link is the invitation, the login and the app, all at once.
3. Everyone just opens it
Whoever opens the link sees the same balances, adds what they paid, and settles up, on a phone or a laptop, in any browser. Nobody downloads anything or creates an account to take part.
4. Settle with one payment each
SplitPal keeps a running balance and works out the fewest transfers that clear it, so a week of shared spending ends with each person making at most one payment instead of a dozen.
What "no login" actually means here
It is not a trial mode or a stripped-down guest view. The tab you make without an account is the full product: uneven splits when one person had the steak, itemized splits from a receipt, per-person portions, tags to see where the money went, and a settle-up that shows exactly who pays whom. It is also not tied to a device. The tab lives at its link, so the person who created it on a laptop and the friend who opens it on a phone are looking at the same numbers.
Why we built it this way
Splitting a dinner should not require onboarding five friends. Every account you force on a group is a person who does not bother, and a balance that gets settled from memory instead. We would rather people love the thing first. The free iOS and Android apps exist for those who want SplitPal on their home screen, and they open the very same tabs, but they are optional, not the price of entry.
Keep the link like a key
Because there is no login, the link is what grants access. Share it in your group's chat rather than somewhere public, and keep it where you can find it again. The browser you created the tab in keeps it in your list, so getting back is one visit to splitpal.io; everyone else gets back in through the link they were sent. There is no password to forget and no profile to leak, because neither exists.
Try it on your next shared expense
Whether it is a restaurant bill, a group trip or the monthly household, the flow is the same: create a tab, share the link, and let the ledger do the arguing. It takes about ten seconds, and nobody has to sign up.
No-login expense tracking FAQ
Do I need to create an account to split expenses with SplitPal?
No. Open splitpal.io, give your tab a name and a currency, and it exists. There is no email, no password and no verification step before you can add the first expense.
Do my friends need the app or an account to see what they owe?
No. Share the tab's link in your group chat. Anyone who opens it in a browser sees the balances, can add their own expenses and can settle up. Nothing to install and nothing to sign up for.
What happens if I lose the link?
The link is how a tab is reached, so keep it where you shared it or bookmark it. The browser you created the tab in also keeps it in your list, so opening splitpal.io there brings it back.
Is the no-login tracker really free?
Yes. Creating tabs, sharing them, adding expenses, uneven splits and settling up are free with no limit. A few extras, such as unlimited receipt scanning, are part of SplitPal Pro.
Can I use it in a currency other than dollars?
Yes. Every tab has its own currency, so a trip in euros and a household in rupiah can live side by side.
More guides: splitting bills with roommates · splitting travel expenses on a group trip · splitting a restaurant bill fairly