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Spliz

Couple

Two people planning their budget with a notebook and bills

Life together. Your way to share.

Illustration generated for Spliz

The rent, the weekly shop, a weekend away. Agree on the split that works for both of you.

Create a group for two and add your shared expenses as you go. Rent can be 60/40, groceries equal and another purchase an exact amount. Spliz keeps what you each paid and your shares together, without needing a joint account.

How to do it

  1. A French press and coffee cups on a countertop

    Open a group for two

    Photo : Infrogmation 路 CC BY-SA 2.0 路 Cropped and compressed

    One for daily life, another for vacations if you'd rather keep them apart.

  2. A handwritten grocery list on a folded sheet of paper

    Log as you go

    Photo : Pittigrilli 路 CC BY-SA 4.0 路 Cropped and compressed

    Rent by shares (60/40 if your incomes differ), groceries equally, a gift at its exact amount.

  3. A notebook, a pen and sticky notes beside a laptop

    One balance between you

    Photo : www.Pixel.la Free Stock Photos 路 CC0 路 Cropped and compressed

    No shared spreadsheet, no "how much do I owe you again".

  4. Someone checks a phone at an outdoor caf茅 table

    Pay back your way

    Photo : Rohit Tandon rohittandon 路 CC0 路 Cropped and compressed

    Pay back in cash, by bank transfer or with your payment app, then record the repayment in Spliz.

Two fried eggs on slices of toast

A worked example

Photo : Acabashi 路 CC BY-SA 4.0 路 Cropped and compressed

A month for two, 60/40

  • Rent $1,200 paid by Maya, split 60/40. Groceries $400 paid by Leo, equally. Weekend $300 paid by Leo, equally.
  • Maya owes $350 on groceries and the weekend, Leo owes $480 on rent: net, Leo owes Maya $130.
  • Record the repayment made elsewhere in Spliz.

The group can see what each person owes and record repayments as they happen.

What Spliz brings

  • One clear balance between two

    See exactly where you each stand, no spreadsheet, no end-of-month guesswork.

  • Split however you agree

    Equal shares, by shares or exact amounts. The bigger earner can cover more, entirely your call.

  • No joint account needed

    Recording an expense does not pool your money. Each person keeps their payment methods and chooses how to repay the other.

  • Recorded repayments

    Find expenses and repayments recorded by the group.

  • Every amount explained

    See which expenses make up each amount.

Common questions

Doesn't this feel like bookkeeping, as a couple?

You choose which expenses to track and when to review them. A group can cover rent and bills only, or include groceries and days out. Each person should be able to understand the split you agreed on.

Can we split unevenly?

Yes: by shares (60/40, 70/30) or exact amounts, per expense or for the whole group.

Without a joint account, where is the money?

With each of you. Spliz does not hold money: it shows who owes what. Pay back in cash, by bank transfer or with your payment app, then record the repayment in Spliz.

And to add money or withdraw?

There is nothing to add or withdraw: Spliz does not hold money. You record expenses and repayments; the money stays in your own accounts.

Your shared costs, in one place.