Tangled group expenses, finally simplified.
Stop running 15 awkward bank transfers after every trip or dinner. SplitMonX collapses circular debts into minimal transactions, scans receipts on-device, and embeds bill splits directly into group chats. Built to work 100% offline.
Track shared expenses with itemized splits (Karai, Sobat, Cold Drinks), member pay shares, and instant net balance updates.
Why traditional expense tracking fails groups
When 4 or 5 people spend money together over a weekend, traditional apps either force you into awkward spreadsheet calculations or generate endless circular IOUs.
The Chaos of Traditional Splitting
Multiple screenshots sent across random chat apps, forgotten receipts, and 12 separate payment requests where friends end up sending the same money back and forth.
The SplitMonX Standard
One unified system combining bipartite graph debt reduction, an on-device OCR receipt scanner, and in-chat expense cards that work anywhere on earth.
Test the Min-Cash-Flow Engine Live
Experience how our bipartite graph reduction collapses confusing circular debts into the absolute fewest transactions needed to settle everyone fairly.
Interactive Debt Simplification Engine
See how SplitMonX collapses circular and redundant pairwise debts into minimal direct payments.
“4 friends on a 3-day trip sharing cabin, fuel, groceries, and highway tolls.”
Net Member Balances
Σ = $0.00Zero Signal? Zero Problem.
SplitMonX was engineered for real-world travel. Toggle the simulator below into Airplane Mode, record offline actions, and watch how our persistent FIFO queue reconciles seamlessly when you reconnect.
Offline Mutation Queue & Replay Simulator
Simulate airplane mode and observe SplitMonX’s persistent mutation queue and automatic background sync.
No cellular or Wi-Fi. User continues creating groups and logging expenses.
UI updates instantly (0ms latency). Changes persist locally via SharedPreferences and Firestore disk cache.
OfflineMutationQueueService stores pending mutations on disk in FIFO order.
ConnectivityService detects reconnection and replays mutations with exponential backoff.
Persistent Disk Queue State
1 action(s) waitingMountain Cabin Gas & Firewood
Type: addExpense • 2 mins ago
Everything your group needs in one app
Every feature below is implemented in production code and optimized for speed, privacy, and mathematical accuracy.
Min-Cash-Flow Engine
Pairwise netting and bipartite greedy matching collapse tangled multi-party debts down to the minimum possible transactions without altering anyone’s net balance.
Offline Mutation Queue
Persistent SharedPreferences FIFO queue coupled with Firestore 100MB LRU disk cache. Add expenses, settle debts, and chat anywhere with auto-replay.
Smart Receipt OCR
On-device Latin text recognition extracts total amount, date, and suggested category in under 1.5 seconds. No receipt images are sent to ad servers.
In-Chat Bill Splits
Direct and group messaging with embedded interactive bill split cards, voice notes with dynamic waveforms, delivery ticks, and unread counters.
8 Currencies Supported
Native support for PKR (Rs), USD ($), EUR (€), GBP (£), INR (₹), AED (د.إ), CAD (CAD$), and AUD (AUD$) with exact symbol placement and formatting.
PDF & CSV Exports
Export high-fidelity PDF settlement summaries for room leases or raw CSV logs compatible with Excel and Google Sheets for expense reporting.
Built for every way people share life
From backpacking across continents to splitting rent in a city flat, explore how SplitMonX adapts to your group’s dynamic.
Explore the world without worrying about who paid for what.
When traveling with friends across cities or countries, hotel bookings, car rentals, tolls, and dinners generate dozens of overlapping expenses. Offline sync and min-cash-flow keep everything peaceful.
- •Spotty or non-existent cellular reception in mountain valleys, flights, or foreign SIM setups.
- •Endless cross-transfers where everyone owes everyone small random amounts.
- •Losing paper receipts from foreign currency restaurants.
- Offline Mutation Queue records expenses immediately with zero cell service.
- Debt Simplification reduces dozens of trip expenses to just 2-3 final bank transfers.
- On-device OCR scans foreign receipts and pre-fills totals instantly.
7 cross-debts collapsed into 2 simple transfers with zero lost rupees.
Your data belongs to you. Period.
We believe financial tools must be honest and respectful. We don’t hide behind confusing legal jargon or sell receipt telemetry to advertisers.
30-Day Deletion Grace Period
Changed your mind? Simply sign back in within 30 days to cancel deletion. After 30 days, an automated Cloud Function permanently purges personal records, storage files, and friend links.
Strict Participant Scoping
Firestore security rules enforce that only verified participants listed on a group roster can read or write expenses in that group.
Honest Technical Claims
Chats are encrypted in-transit via TLS with client obfuscation. We do not falsely claim military E2EE or unverified biometric locks.
Frequently Asked Questions
Clear, transparent answers about debt simplification, offline storage, supported currencies, and data privacy.
SplitMonX combines four critical utilities in one app: intelligent graph-based debt simplification, a resilient offline mutation queue that works without cell reception, on-device OCR receipt scanning, and real-time chat with integrated bill-split cards. You don't need a separate chat app to discuss the tab or a spreadsheet to calculate who owes whom.
Download SplitMonX v1.0.0 for Android today.
Free, privacy-conscious, and fully functional offline. Direct APK releases available for ARM64, ARMv7, and x86_64 devices.