ATM Split
Split expenses with friends, roommates, or travel groups. Multiple split modes, multi-currency, and smart settlement calculations.
Coming Soon
Free
No Ads
Multi-Currency
iOS 17+
Split expenses with friends, roommates, or travel groups. Multiple split modes, multi-currency, and smart settlement calculations.
Create separate groups for different contexts — roommates, trips, events, dinners. Keep everything organized.
Equal split, exact amounts, percentage-based, or weighted shares. Choose what fits the situation.
Each expense can use its own currency. The app handles exchange rates and converts everything to a base currency for settlements.
The settlement engine calculates the minimum number of payments needed to settle all debts in the group.
Categorize expenses — groceries, dining, transport, utilities, entertainment — and see breakdowns per category.
Export all group expenses and settlement history to CSV for your own records.
Create a group — Make a new expense group for your trip, apartment, dinner, or event.
Add members — Add everyone in the group with their names. Each person gets a unique color.
Log expenses — When someone pays for something, add the expense, select who paid, and choose how to split it.
Choose a split mode — Equal (everyone pays the same), exact (specify amounts), percentage, or shares.
Settle up — Tap "Settle Up" to see simplified debts — who owes whom and how much, with minimal transfers.
Record payments — When someone pays their share, record the settlement to keep the group up to date.
No. ATM Split is a personal tool for tracking who owes whom. You manage all the expenses yourself and can share the results with your group via CSV export or just by showing them the app.
Yes. Each expense can use a different currency, and ATM Split fetches live exchange rates to settle everything in your group's base currency.
The app uses a debt simplification algorithm that finds the minimum number of payments needed to settle everyone up. Instead of 10 people making 20 small transfers, it might reduce it to just a handful of clean payments.
Yes. Every group can be exported as CSV, including all expenses, splits, and settlements. You own your data.
No. Create as many groups as you want with as many people as you need.
ATM Split stores all data on your device. No accounts required. No data is sent to external servers.