Apps to divvy up bills do more than just that

For the many challengers to expense-sharing app Splitwise, the real hurdle to its dominance isn't building a better app but marketing it to users

- Shephali Bhatt

When Sneha Prabhu posted a personal anecdote on X two months ago with a screenshot of a complicated and personalized expense calculation between her friends, she didn't expect the post to blow up the way it did. At last count, her post had over 500 quotes, nearly all saying the same thing: "Have your friends heard of Splitwise?"

Founded in 2011 by Jonathan Bittner, Marshall Weir and Ryan Laughlin, Splitwise is a US-based expense-sharing platform with over 10 million Android downloads globally (data for iOS downloads was not available). The app allows users to log shared expenses, track individual contributions and settle debts without the hassle of manual calculations.

Prabhu's now-viral post—nearing a million views—indicates that Splitwise is perhaps the go-to app for expense tracking among young urban Indians. Between December 2024 and February 2025, India accounted for 13.71% of the platform's website traffic—the second-highest after the US, which led with 32.4%, according to data from analytics firm Similarweb.

But a cursory glance at social media reveals it's more than that—it's a cultural phenomenon. It appears in travel reels, fuels tweets linking credit scores to unpaid Splitwise debts, and inspires Spotify Wrapped-style spending analysis among users who assign a personality type to their friends based on how they use the app.

Its popularity persists despite major payment platforms like Google Pay incorporating group bill-splitting features. Even with its limitations, which have driven some users to seek alternatives or develop other solutions, Splitwise continues to be the top choice for Indian Gen Z and millennial roommates, co-workers, couples, and travel buddies.