Split the bill without making anyone sign up
"First, everyone needs to create an account." That one sentence is where a lot of group payments stall. SplitPay asks for no sign-up, no install, and no email. You make an event in your browser and share the link — and the splitting begins right there.
Add a payment, settle instantly
A trip, a group dinner, rent and utilities in a shared flat. Someone fronts the money and everyone settles up later — a familiar situation. But reaching for a dedicated app often means hitting a wall on step one: "everyone create an account," "install the app," "enter your email." Some bill-splitting tools are built around signing in, and even members who just want to chip in are asked to register. SplitPay deliberately drops all of that. No account, no app, no email. You create a single event in your browser, add members by name, and send the resulting URL to your group. Whoever receives the link just taps to open it and starts writing down who paid for what — no login screen, no confirmation email, no waiting on a download. On this page we explain honestly how SplitPay makes "no sign-up" work, and we are equally upfront about the trade-offs that come with that lightness: anyone who has the link can open the event, and a history of your recent events is kept in your browser.
No account, no app, no email — not one of them
Getting started with SplitPay requires no registration. There is no screen for choosing a username and password, and no step where you type in an email and wait for a confirmation link. There is nothing to download from an app store either — on a phone or a laptop, you can use it the moment the page opens in your browser. Once you create an event, you add the people splitting with you simply by name. You never have to ask them to "go make an account first." Splitting a bill, at its heart, only needs the person who paid and the people who owe. SplitPay returns to that basic idea and brings the barrier to joining close to zero. That means you can share the same screen right away with a friend who isn't tech-savvy or with family who don't want yet another app on their phone.
Sharing is one URL — and whoever opens it can edit
When you create an event, SplitPay generates a URL that belongs to that event. From there, you just send the link to your group however you like — a chat app, a message, whatever you already use. The people who receive it tap to open the page and, without ever being asked to log in, write down who paid how much, right then and there. It isn't view-only: anyone with the link can add and edit expenses, so the organizer doesn't have to be the one entering everything. When everyone contributes a little, there's less need to forward photos of receipts or relay amounts from memory afterward. And because opening the same URL always shows the current state, your group can keep up with the settlement in real time.
Record expenses, and let it compute the fewest transfers
SplitPay is more than a notepad. As you log who fronted how much, it automatically works out who needs to send what to whom so that every debt cancels out. Crucially, it doesn't have everyone paying everyone — it finds the combination that keeps the number of transfers as small as possible. Even when three people each owe one another bits and pieces, the actual transfers might come down to a single payment. It also handles multiple currencies, so a trip abroad that mixes local-currency and home-currency spending can all live in one place. No reaching for a calculator each time you settle, and no building formulas in a spreadsheet.
The honest trade-offs: the link, and the history in your browser
That lightness rests on a particular design. Because SplitPay doesn't verify identity through accounts, the URL itself acts as the key. In other words, anyone who knows the link can open the event to view or edit its contents. For that reason, keep the link within your own group and don't post it where strangers might see it, such as on social media. Separately, a history of the events you've recently opened is saved in your browser's local storage so you can get back to them easily. That information stays on your device; on a shared computer, it's wise to clear it when you're done. We spell this out rather than hide it, so you can use SplitPay knowing exactly what you're trading for the convenience.
How to start splitting without signing up
- 1
Create an event in your browser
Open SplitPay and create a new event. There's no registration and no login — you just give a name to the trip, dinner, or whatever you're splitting.
- 2
Add members by name
Add the people you're splitting with by name. You don't need to ask anyone for an email address or have them create an account.
- 3
Share the URL with your group
Copy the event’s URL and send it to your group through a chat app or wherever you talk. Anyone who receives it can join just by opening the link and start adding expenses.
- 4
Log expenses and settle automatically
As each person enters what they covered, SplitPay computes the amounts to settle with the fewest transfers. Mixed currencies are handled as they are.
Frequently asked questions
- Can I really use it without creating an account?
- Yes. Neither the person who creates the event nor the members who join via the link need to register. We ask for no username, no password, and no email. There's nothing to install either — it all works in the browser.
- Can anyone with the link see the event?
- Yes. Because SplitPay doesn't verify identity through accounts, the URL acts as the key. Anyone holding the link can view and edit the event, so we recommend keeping it within your group and not posting it in public places.
- Where are the events I've created kept?
- A history of the events you've recently opened is saved in your browser's local storage so you can return to them easily. That data stays on your device, so on a shared computer it's a good idea to clear it after use. If you keep the link itself, you can reopen the same event anytime.
- Can I use it like a phone app?
- SplitPay supports PWA, so if you choose "Add to Home Screen" from your browser’s menu, you can launch it from an app-like icon. There’s no app-store install — under the hood it’s the same web version.
Don't stop at the math — log it and share it.
Start settling with SplitPay