SPLITO
Split smart. Settle fast.
Split smart. Settle fast.
Split expenses with friends, roommates, and travel groups with zero login required. SPLITO combines on-device privacy, Universal AI Receipt OCR for transit tickets and fuel slips, and an optimal debt simplification engine.
SPLITO allows you to split bills online instantly without creating an account, remembering passwords, or sharing phone numbers.
Traditional expense splitters force every participant to register and install heavy apps before logging expenses. With SPLITO, anyone can create a group ledger in seconds and share a direct link. Group members can view balances, add expenses, and settle debts straight from their browser on any device.
Ledger mutations sync seamlessly across connected devices using an optimistic local-first update pipeline.
Session identifiers are securely sandboxed and never attached to personal identifying data.
SPLITO's Universal AI Receipt Scanner extracts line items, taxes, tips, and totals from transit tickets, petrol pump slips, dining bills, and grocery folios in under 3 seconds.
Powered by a dual-tier OCR architecture combining Cloudflare Llama 3.2 Vision AI with local on-device Tesseract fallback, the scanner accurately reads non-traditional receipts that ordinary OCR engines fail to parse:
Preprocesses document geometry, eliminates skew, and applies fuzzy price matching algorithms to guarantee sub-cent accuracy.
Compliant with mobile camera standards, supporting live camera dictation and high-res image uploads.
SPLITO solves group debt settlement using a greedy Min-Flow graph algorithm that calculates net debtor-creditor balances to minimize total transactions by up to 70%.
Instead of having N friends transfer money back and forth across dozens of individual payments, SPLITO computes each member's net balance vector:
The engine matches the maximum net debtor with the maximum net creditor, eliminating cycles in &mathcal;O(N log N) time and reducing total payments from &mathcal;O(N²) to at most N − 1 transactions.
Utilizes dual max-heaps for debtors and creditors to compute minimal cash-flow paths with zero circular transfers.
Guarantees exact mathematical closure where Σ NetBalance(P_i) = 0 across any group size.
SPLITO distributes coupon codes, promotional discounts, and vouchers proportionally according to each participant's itemized subtotal before applying tax and tips.
When a group uses a $15 discount coupon on a restaurant order, SPLITO applies the exact proportional discount share to each person:
This ensures that members who ordered expensive entrees get their fair proportion of savings, rather than penalizing members who only ordered a beverage.
Taxes and service tips are calculated proportionally on post-discount subtotals to maintain fair penny-exact accounting.
Fractional cents are resolved deterministically using largest remainder distribution.
SPLITO enforces an ephemeral data lifecycle: online shared ledgers are permanently purged from cloud storage 30 days after group activity ceases.
We do not track users, display third-party advertisements, or sell personal financial data. In offline mode, all group records and receipt computations stay strictly inside your browser's local sandbox.
Group organizers can set a 4-digit PIN to restrict write permissions, verified locally with SHA-256 cryptographic hashing.
All sensitive computations, member names, and expenses reside strictly within client sandboxed storage.
Permanent cryptographic deletion ensures compliance with international data privacy legislation.
SPLITO functions completely without an active internet connection via local Service Worker asset caching.
Install SPLITO on iOS (Safari Share → Add to Home Screen), Android (Chrome 3-dot → Install App), macOS, or Windows for instant offline access during remote road trips, international flights, and low-connectivity travel.
Operates seamlessly in full standalone mode with custom application icons and offline state persistence.
Queued offline mutations automatically reconcile in the background upon internet reconnection.
Strict adherence to modern Web App Manifest standards with adaptive icons and responsive viewports.