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IOU Tracker
Track who owes what in your group, then share the whole thing with a link — no sign-up. Add expenses and see the simplest way to settle up.
People
Expenses
Share this tracker
Copy a link that opens this exact tracker — no account needed. Send it to your group.
Doing this every trip?
Splitwin remembers your group, tracks every expense as you add it, and settles up automatically — free, no ads in your way, no paywalls.
How it works
An IOU tracker records who paid for what in a group and shows who owes who. This free tracker needs no account: add people and expenses, see each balance instantly, and copy a shareable link that opens the exact same tracker for the rest of your group.
How to use it
- Add the people in your group.
- Log each expense: what it was for, who paid, and who to split it between.
- See each person's balance and the simplest way to settle up.
- Tap Copy shareable link to send the whole tracker to your group.
FAQ
How do I track who owes who?
Add the people in your group, then log each expense: what it was for, who paid, and who it should be split between. The tracker instantly shows each person's balance and the simplest way to settle up.
How does the shareable link work?
Tap “Copy shareable link” and the entire tracker is encoded into a URL — no account, no server. Send it to your group and they open the exact same tracker in their browser.
Will my data be stored anywhere?
No. Everything stays in your browser and in the link you choose to share. For expenses that sync across your group's phones automatically, use the Splitwin app.
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