HippoSplit

HippoSplit is a chat-first expense tracker that transforms the way groups handle shared finances. Instead of wrestling with spreadsheets, chasing receipts, or sending awkward "who owes what" messages, you simply chat with your group like you normally would. Every group, whether it is a trip, a household, a couple, or a family, gets its own shared chat space. To log an expense, you just type it the way you would say it, such as "lunch 24.50 split with Anna and Ben," or snap a photo of a receipt and post it straight into the chat. HippoSplit AI reads the receipt, extracts the items, amounts, and currencies, logs the expense, and splits it with the right people. No forms, no spreadsheets, no chasing anyone for what they owe.

The magic is that you chat with your group members like in any messenger, with AI handling the bookkeeping in the background. The final math, including totals, balances, and settlements, is computed by the backend, not guessed by AI, so you can trust the numbers completely. HippoSplit supports over 150 currencies with live exchange rates, making it perfect for international trips. Guests can join instantly with a link or QR code without needing to sign up. The platform also offers flexible split methods, from equal splits to custom amounts, percentages, or shares. With simplified settle-up features, you can resolve debts in the fewest possible transactions. Whether you are traveling with friends, living with roommates, managing a household budget, or sharing expenses with a partner, HippoSplit makes expense tracking feel as easy as sending a message.

AI Receipt and Photo Scanning

Snap a photo of any receipt or screenshot and post it directly into your group chat. HippoSplit AI instantly reads the receipt, extracts every item, amount, and currency, and logs the expense. You can edit any detail to ensure accuracy, and the system automatically splits the cost with the right people based on your preferences. This turns a pile of paper receipts into organized, itemized records without any manual data entry.

Natural Language Expense Logging

Log expenses by typing them exactly as you would say them in conversation. For example, you can type "dinner 45 split equally" or "uber 12.50 with Mike" and HippoSplit understands and processes it. This eliminates the need for complicated forms or templates, making expense tracking feel as natural as texting your friends. The AI parses your message, identifies amounts, currencies, and participants, and creates a clean expense record.

Flexible Split Methods

HippoSplit supports every way a group might want to split expenses. You can divide equally among all members, split by specific items (like who ordered what), set custom amounts for each person, use percentages, or allocate shares. This flexibility means you can handle any scenario, from splitting a restaurant bill where everyone ordered differently to dividing shared household costs based on usage. Every split is fully adjustable so the final result matches exactly what your group agrees on.

150+ Currencies with Live Exchange Rates

For international travelers and groups, HippoSplit supports over 150 currencies with live exchange rates. You can mix currencies freely within the same group, logging expenses in yen, dollars, euros, or any other currency. The system automatically converts everything to your preferred base currency, so you always know the true cost. This is ideal for trips that span multiple countries or for groups where members pay in different currencies.

Guest Access and Instant Invites

Invite friends to your group with a simple link or QR code. They join instantly as guests without needing to create an account or download anything. This eliminates the friction of getting everyone set up, especially for one-off trips or casual groups. Guests can see expenses, add their own, and participate fully, making it easy to include anyone without technical barriers.

Simplified Settle-Up

When it is time to settle debts, HippoSplit calculates the fewest transactions needed to clear all balances. Instead of everyone paying everyone else, the system finds the most efficient path, often reducing dozens of payments to just a few. This saves time, reduces confusion, and makes the final settlement as simple as possible. Clear reports show exactly who owes whom and how much.

Group Trips and Travel

Planning a group vacation involves countless shared expenses, from flights and accommodation to meals, activities, and transportation. With HippoSplit, you create a trip-specific chat where everyone can log expenses as they happen. Snap a receipt for dinner in Tokyo, type the cost of a shared taxi in Paris, or add a screenshot of a group tour booking. The AI handles multi-currency conversion automatically, so everyone sees the total in their preferred currency. At the end of the trip, the simplified settle-up feature shows exactly who owes whom, with the fewest possible transactions.

Shared Households and Roommates

Living with roommates means splitting rent, utilities, groceries, cleaning supplies, and shared subscriptions every month. HippoSplit makes this effortless with recurring expense support. Set up rent and utility bills to repeat automatically, and log grocery receipts as you shop. The chat format means everyone can see what is happening in real time, reducing misunderstandings and arguments about who paid for what. The flexible split methods let you divide costs based on room size, usage, or any other arrangement your household agrees on.

Couples Managing Finances

Whether you are married, living together, or just dating, couples often share expenses for dates, groceries, trips, and household items. HippoSplit provides a private space for two people to track shared costs without awkwardness. You can split everything equally, divide based on income, or keep separate tracking for different categories. The chat interface feels natural and low-pressure, making it easy to maintain transparency about shared spending without turning every purchase into a negotiation.

Families and Group Events

Family reunions, holiday gatherings, and group events involve many people sharing costs for food, decorations, gifts, and activities. HippoSplit lets you create a temporary group for the event, invite everyone with a link, and start tracking immediately. Grandparents, cousins, and in-laws can join as guests without needing to sign up. The AI handles receipt scanning for group meals, and the settle-up feature makes it easy to collect contributions from everyone at the end of the event. It is perfect for birthday parties, weddings, holiday dinners, and any other gathering where costs are shared.

How does HippoSplit handle privacy and data security?

All your financial data is encrypted both at rest and in transit. HippoSplit does not sell your data, run ads against it, or share it with third parties. You own your data completely and can export or delete it anytime. Only you and the members of your group can see the expenses and balances within that group. The platform is designed with privacy as a core principle, ensuring your financial information stays secure and confidential.

Can my friends join without creating an account?

Yes, absolutely. Friends can join your group as guests by clicking an invite link or scanning a QR code. They do not need to sign up, create an account, or download anything. This makes it incredibly easy to include anyone in a group, especially for one-off trips or casual gatherings. Guests can add expenses, see the full chat history, and participate in splitting just like regular members.

How accurate is the AI receipt scanning?

HippoSplit AI is highly accurate at reading receipts and extracting items, amounts, and currencies. However, you can always edit any detail after the scan to ensure everything is correct. The system is designed to give you a great starting point that you can refine as needed. The final math for totals, balances, and settlements is computed by the backend, not by AI, so you can trust the numbers completely even if you adjust the parsed data.

What happens if someone does not pay their share?

HippoSplit provides clear reports showing exactly who owes what and to whom. The simplified settle-up feature calculates the fewest transactions needed to clear all debts. While the platform tracks and displays balances, it does not handle actual payments or enforce collection. The transparency of the system, with all expenses visible to the group, typically encourages everyone to settle up promptly. You can use the reports to send a friendly reminder or handle payments through your preferred method outside the app.

HippoSplit offers a free tier that is perfect for casual groups and one-off trips. The free plan includes unlimited expense entries, real-time chat and instant sync across devices, all split methods (equal, shares, percentages, by items), support for 150+ currencies with live conversion, guest access with no signup required for friends, recurring expenses, and 20 AI scans per week for receipts or chat messages.

For serious expense tracking, the Premium plan is available at $4.17 per month when billed yearly at $49.99, saving 30% compared to monthly billing. Only the group creator needs a Premium subscription, not every member. Premium includes everything in the free plan plus unlimited AI scans for receipts, screenshots, and chat messages, advanced search, reports and spending insights, and priority support. You can cancel anytime, and the team is actively adding more features to both plans.