The everyday moment

The fun ends.
Then someone has to figure out
who owes whom.

Dinner
$186.00
4 friends  ·  1 person pays  ·  3 people owe

The meal takes an hour.
Settling it can take days.

9:41
$Splitit01 / 10
The behavior

We share money constantly.

It isn't a rare event. It's a weekly rhythm across the people closest to us.

Dinner with friends

Everyone orders something different. One card hits the table.

Roommates

Rent, utilities, groceries — recurring, every single month.

Group trips

Cabin, gas, groceries, tickets — costs pile up fast in bursts.

Group gifts & events

A birthday, a leaving-do — someone fronts it for everyone.

Different people. Different purchases. One shared bill.

$Splitit02 / 10
The real shape of the problem

“Splitting” is actually two different problems.

01
Split

Who owes what?

A calculation. Tedious, but solvable.

Different orders
Different quantities
Tax
Tip
✓ A computer solves this instantly
02
Settle

Will they actually pay?

A human problem. Awkward, slow, and unsolved.

Reminders
Follow-ups
Forgotten payments
Awkward conversations
✕ No tool actually closes this

Calculating the debt is easy. Collecting it is not.

$Splitit03 / 10
The hidden friction · anatomy of a chase

The math is easy.
The money conversation isn’t.

$18.50 owed  ·  brunch, Monday
“Hey, can you send me the $18.50?”
No response…
“Hey, just following up 🙂”
They forgot.
Awkward. 😬

People don’t hate splitting the bill.
They hate chasing the money.

9:41
$Splitit04 / 10
Competitive landscape · high level

Everyone solves a piece.
Nobody closes the loop.

Splitwise
Tracks who owes what
— Useful features behind a paywall
— Still leaves settlement to you
Venmo / Cash App
Moves the money
— Doesn’t understand the bill
— No itemization logic
Texts / Spreadsheets
Flexible & familiar
— Fully manual
— Easy to forget, no structure
ChatGPT / Calculator
Can do the math
— Computes a number
— Never moves or recovers money
The Splitit difference

The only one that spans
bill → split → settle.

Free, fair item-wise splitting — plus a settlement layer that actually recovers the money. The one workflow nobody else owns end-to-end.

USP · business model
BNPL
Buy Now, Pay Later

Cover your share instantly, settle up over time. We monetize spend — never a paywall.

$Splitit05 / 10
The insight

The opportunity isn’t another expense tracker.

The category today
Bill
↓
Calculate
↓
Track
↓
Remind
↓
Wait
↓
Settle (manual)
rebuild it
What we build around
Bill
↓
Split fairly
↓
Settle

The category was built around tracking debt.
We can build around eliminating it.

$Splitit06 / 10
Live today

Meet Splitit.
Split fairly.
Settle without the chase.

Item-wise splitting

Everyone pays for what they actually ordered — tax & tip split proportionally.

Slips

One-time shared expenses — a single shareable link, no permanent group to set up.

Simple balances

See exactly who owes whom at a glance — across every friend and group.

$Splitit07 / 10
The bigger vision

From tracking who owes you → to making sure nobody owes you.

Today · Live
Person pays
↓
Splitit calculates everyone’s share
↓
Everyone sees what they owe
↓
Manual settlement
Tomorrow · Roadmap
Person pays
↓
Splitit calculates everyone’s share
↓
Splitit facilitates settlement
↓
Everyone is settled
Roadmap
USP
1 · BNPL
Buy Now, Pay Later

Cover your share now, settle over time. The business model — never a paywall.

2 · Settlement & recovery

A built-in way to recover money, not just record it.

3 · Agentic settlement

Detects what’s owed and closes the loop automatically.

$Splitit08 / 10
Early validation

25+ users are already using it.
The next step is closing the loop.

25+
Beta users
LIVE
Working product
REPEAT
Shared-expense use
What early users say
★★★★★

“It’s so convenient — I can’t think of switching back to Splitwise.”

SA
Saloni
Switched from Splitwise
★★★★★

“Thank you Purav.. your Split-It saved me today 🙏”

HA
Harsha
Early beta user
★★★★★

“The UI is soo cute :)”

MA
Maya
Dinner-out regular
Split by what you ordered. Settle without the chase.
$Splitit09 / 10
Live beta · today

Launching beta today —
to every CMU-SV student.

No waitlist. No sign-up wall.
Just open it and start splitting.

Free forever Item-wise splits Slips
Split by what you ordered. Settle without the chase.
split-it-beta.pages.dev
Scan to open the beta
$Splitit10 / 10
01 / 10
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