About Spend Split
Personal finance tools shouldn't cost more than the money they help you save.
Why we built this
Spend Split started with a simple frustration: every budgeting app could tell you where your money went, but none of them could answer the question that actually strains friendships — "who owes me money?" Loans to friends and family lived in notes apps and fading memories, quietly turning into gifts nobody intended to give.
So we built the personal finance app we wanted: expense tracking, budgets, and a proper lending & borrowing tracker — in one place, at a price anyone can afford.
How we work
- Independent, no VC. We're a small team funded by our subscribers, not investors. That means no pressure to raise prices, push ads, or monetize your data.
- Privacy first. Your financial data is encrypted, synced securely, and never sold to anyone. We don't require bank logins — your credentials stay with you.
- Affordable on purpose. Premium costs $3.99/month — a fraction of what comparable apps charge — and there's a free plan that stays free.
- Built for everywhere. With 150+ currencies supported, Spend Split works whether you're in Toronto, Tokyo, or anywhere in between.
Where we're headed
Spend Split launched on the App Store in early 2026 and is in active development. An Android version is in the works, along with deeper insights and more lending features. Have an idea or found something broken? We'd love to hear from you or email us directly at mk.saeedan@gmail.com.