SplitMate — split expenses with a link - Split group expenses with a link. No accounts, no fuss
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Split group expenses without the signup. Share a link, add expenses, settle up.
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I built SplitMate because every time I split a bill with friends, someone had to get everyone to download an app and create an account just to log a $12 lunch. That friction meant the "settling up" step just… never happened.
The idea: what if the group was just a link? No signup, no password. You open the link, pick your name (or make one up), and start adding expenses.
SplitMate handles:
- Equal splits across the group
- Running balances — who owes who, at a glance
- Debt simplification — collapses everything down to the minimum number of payments needed to settle up
It started as a weekend project for a trip with friends, and the biggest design constraint became: would my least technical friend use this without complaining? That ruled out accounts, multi-step onboarding, and anything that felt like a finance app. It should feel as light as sending a text.
Would love feedback on the balance/settle-up flow especially — that's the part I iterated on most.
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@sj_ace The no-signup approach makes a lot of sense for something as simple as splitting lunch. I upvoted SplitMate, and I especially like the debt simplification feature since it removes another decision from settling up. Curious how you’re measuring whether the flow feels intuitive to less technical users.
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@spotch_founder Thanks, I’m really glad the debt simplification landed and you liked the no-signup approach. That was the one feature I didn’t want to compromise on.
Honestly, my assessment of usability is still more gut-feel than rigorous. The in-app feedback button goes directly to me, and I track a few signals like groups created, whether a first expense gets logged, and whether people return to add more. But those tell me what users do, not where the experience feels intuitive or confusing.
I don’t yet have proper funnel tracking or structured usability testing with non-technical users, so I’m often inferring friction from silence rather than measuring it directly. My most useful test so far has been handing the app to a few non-technical friends and watching where they hesitate, insightful, but hardly scalable.
Instrumenting the create → first-expense journey is next on my list. If you’ve found a lightweight way to validate “intuitive” with non-technical users without over-engineering the process, I’d genuinely love to hear it!
Replies
@sj_ace The no-signup approach makes a lot of sense for something as simple as splitting lunch. I upvoted SplitMate, and I especially like the debt simplification feature since it removes another decision from settling up. Curious how you’re measuring whether the flow feels intuitive to less technical users.
@spotch_founder Thanks, I’m really glad the debt simplification landed and you liked the no-signup approach. That was the one feature I didn’t want to compromise on.
Honestly, my assessment of usability is still more gut-feel than rigorous. The in-app feedback button goes directly to me, and I track a few signals like groups created, whether a first expense gets logged, and whether people return to add more. But those tell me what users do, not where the experience feels intuitive or confusing.
I don’t yet have proper funnel tracking or structured usability testing with non-technical users, so I’m often inferring friction from silence rather than measuring it directly. My most useful test so far has been handing the app to a few non-technical friends and watching where they hesitate, insightful, but hardly scalable.
Instrumenting the create → first-expense journey is next on my list. If you’ve found a lightweight way to validate “intuitive” with non-technical users without over-engineering the process, I’d genuinely love to hear it!