What Splitmate actually does

The amount comes first, entered on your phone’s own keyboard rather than one Splitmate draws — description, date, an optional note and a category follow it. Pick a date after today and Splitmate refuses it, both in the date picker and again if one slips through some other way.

• Equal, Amounts, % or Shares, across whichever members were actually there — in the group’s own currency, chosen from over 40 currencies.
• Every entry is either Just me or a group, picked from a single chip. The payer chip only appears once there is a group to pay for, and Splitmate will not save until you have said who paid.
• Type the description and a tinted category chip fills itself in — from your own past corrections first, a built-in keyword list second, and, only if neither has an answer, whichever category the group itself has spent on most. It never overrides a category you tapped yourself.

Give a group a settlement date, an amount you are willing to be owed, or both, and anyone still short gets reminded. Then, for them, the settings lock.

• The lock needs two things at once: you owe money in that group, and a trigger is already live — the date has passed, or your debt is over the limit. Miss either and it is an ordinary editable form.
• Both arms lock together, because raising a threshold is exactly as easy as deleting a deadline. Editing the trigger away was the loophole; this is the thing that closes it.
• Reminders are local notifications the Android app schedules on your own phone — every four hours, daily, every two days, weekly, or a number of hours you pick with a floor of four — and none of them arrive between ten at night and eight in the morning.

Every expense, settlement, chat message and membership change — across every group at once, not one at a time — lands in a single feed, newest first, grouped by month and then by which conversation it belongs to. It is a tab of its own, alongside Groups, Chats and Me, not a screen tucked inside one group.

• A row about money — an expense added, a payment settled — renders as a tinted card with a category icon and a right-aligned amount. A chat message or someone joining or leaving is a plain, uncoloured line with neither, so what actually cost something is what draws the eye.
• Filter by type, category or person, in any combination — picking a category shows only the matching expenses, and picking a person shows only their activity, across every group at once. Tap a row to jump straight to the group or thread it came from; that marks just the one row read, and a separate button clears everything else in one tap.
• The newest 500 events are kept. Past that, the oldest are dropped to make room for new ones — not archived anywhere, just gone.
• There is a feed in the browser too, and it is groups only. It is not this one arriving there: this one is a table on the phone that is never synced, so a second client has nothing to fetch and works out its own from the groups instead. Two feeds, not one seen twice — which is why what you have already read on one of them does not carry to the other.

No signup, no email, no password, no phone number, and no directory anyone can look you up in. You give it your name and a currency, and you are in.

• Expenses you log as Just me never leave the phone. They live in a database on the device, there is no cloud copy of them, and there is no code path in the app that would upload one.
• Groups are the part that syncs: expenses, member names and profile pictures, settlements and chat go to the cloud, which is what lets everyone stay square. The ledger still works offline in between.
• Zero analytics, zero crash reporting, zero ads and no billing code — none of it is in the app’s dependency list at all, so there is nothing collecting anything about how you use it.