SplitWise Lite is a frontend-only expense splitting web application that puts privacy first. Built for friends, roommates, and travelers who want to track shared costs without creating accounts, sharing data with servers, or dealing with subscription paywalls.
Unlike traditional expense splitting apps, SplitWise Lite keeps everything local:
- No accounts — Start using immediately, no sign-up required
- No servers — Your data never leaves your device
- No tracking — Zero analytics on your personal expense data
- No subscriptions — 100% free, forever
Your financial data stays yours.
Split expenses exactly how you need:
- Even splits — Divide equally among all members
- Exact amounts — Specify what each person owes
- Percentage-based — Split by custom percentages
- Partial splits — Only include specific members
See who owes whom in real-time:
- Net balance computation for each member
- Automatic debt simplification
- Settlement suggestions that minimize transactions
- Cent-level precision handling
The app uses a sophisticated two-phase algorithm:
- Phase 1 — Calculate what each member paid vs. what they owe
- Phase 2 — Use greedy optimization to reduce transaction count
Result: 75%+ fewer settlements compared to naive approaches.
Create groups for any shared expense scenario:
- Weekend Trips with friends
- Roommate Expenses — utilities, groceries, rent
- Group Dinners and restaurant bills
- Travel Groups with complex shared costs
- Event Planning with multiple contributors
Simple member handling:
- Add members by name only
- No accounts or invitations needed
- Support for 100+ members per group
- Easy removal with balance settlement
A beautiful hero section introduces the concept:
- Glassmorphism design with emerald/teal gradients
- Live preview showing expense cards
- Clear value proposition messaging
- Immediate call-to-action
Once you create a group, you see:
- Total group spending
- Individual balances at a glance
- Recent expense activity
- Settlement suggestions
Adding expenses is frictionless:
- Quick expense form
- Payer selection
- Split method choice
- Optional notes and categories
- One-tap submission
See exactly how to settle up:
- Simplified payment suggestions
- Direct "A pays B" format
- Amounts rounded appropriately
- Mark settlements as complete
Install SplitWise Lite on any device:
- Works without internet connection
- Data persists in localStorage
- Automatic sync when online
- Background data persistence
- Add to home screen
- Full-screen mode
- Fast app-like navigation
- Touch-optimized interactions
- Works on iOS and Android
- Desktop installation support
- Consistent experience everywhere
- No app store required
- Next.js 16 with App Router for modern React architecture
- TypeScript for complete type safety
- TailwindCSS v4 for utility-first styling
- shadcn/ui for accessible components
- Framer Motion for smooth animations
- React Context + useReducer pattern
- Predictable state updates
- Clean separation of concerns
- Easy debugging and testing
- localStorage with versioning
- Automatic migration support
- Export/Import functionality (JSON)
- Data validation and error handling
- Processing <100ms for groups up to 100 members
- Linear memory scaling for large datasets
- Optimized algorithms (O(E + M log M) complexity)
- Lighthouse score 95+
SplitWise Lite features a cohesive dark theme:
- Primary colors — Emerald and teal gradients
- Glassmorphism — Backdrop blur effects on cards
- Depth — Subtle shadows and layering
- Motion — Smooth Framer Motion animations
Designed for phones first, then scaled up:
- Touch-friendly tap targets
- Swipe gestures where appropriate
- Responsive layouts
- Optimized viewport handling
Built on shadcn/ui foundations:
- WCAG compliant components
- Keyboard navigation support
- Screen reader friendly
- High contrast color schemes
Your data, your control:
- JSON export — Download all groups and expenses
- Import — Restore from backup files
- Versioned schema — Future-proof data format
- No lock-in — Take your data anywhere
SplitWise Lite handles real-world scenarios with ease:
| Scenario | Members | Expenses | Processing Time |
|---|
| Weekend Trip | 6 | 25 | <10ms |
| Roommates (Year) | 4 | 500 | <50ms |
| Large Event | 50 | 200 | <80ms |
| Stress Test | 100 | 1000 | <100ms |
Plan trips without the signup hassle:
- Create group before departure
- Add expenses as they happen
- Settle up at trip end
- Export data for records
Track shared living costs:
- Utilities and bills
- Groceries and household items
- Rent splits
- Monthly settlements
Split casual expenses:
- Restaurant bills
- Concert tickets
- Gift pooling
- Activity costs
Manage group finances:
- Party expenses
- Team activities
- Reunion costs
- Shared subscriptions
- No 3-expense daily limit — Unlimited free usage
- No account required — Start immediately
- No server dependency — Works offline
- No data harvesting — Complete privacy
- Purpose-built UI — Designed for expense splitting
- Automatic calculations — No formulas to write
- Debt optimization — Minimal settlements
- Mobile-friendly — Works on any device
- Truly free — No premium tiers
- No sign-up wall — No email required
- Privacy-first — No server storage
- Open architecture — Export anytime
- Framework — Next.js 16, React 19
- Language — TypeScript (strict mode)
- Styling — TailwindCSS v4, shadcn/ui
- Animations — Framer Motion
- Icons — Lucide React
- Notifications — Sonner
- Storage — localStorage with versioning
SplitWise Lite delivers on its promise of simplicity:
- Zero friction onboarding — Users splitting expenses within 30 seconds
- Complete privacy — No personal data collected or stored remotely
- Reliable offline — Works on planes, camping trips, anywhere
- Fast performance — Instant calculations regardless of group size
The result is an expense splitting tool that respects user privacy while delivering a polished, modern experience.
Try it now: splitwise-lite.jagodana.com