What Splid does

Splid is a privately held, Munich-based mobile software company that operates a single-product consumer application for splitting shared expenses among groups. The Splid app, available on iOS and Android, lets users create groups, log expenses, and receive an automatic calculation of who owes whom, with manual settlement handled outside the app. It is positioned for three primary use cases: travel groups splitting vacation costs, shared apartments ("WGs") tracking rent and utilities, and couples balancing joint spending. The application is built around an offline-first architecture: groups can be created and managed without internet connectivity, with optional cloud-based synchronization to enable collaborative editing. It supports over 150 currencies with automatic conversion, and allows users to download expense summaries as PDF or Excel files. Differentiating product choices include a privacy-first design with no required sign-up (no name or email), and the option to use codewords or abbreviations instead of real names within a group.

The company is led by founder Nicolas Jersch, with no additional management team disclosed and a headcount of 1–10 employees. It is bootstrapped: no funding rounds, parent companies, subsidiaries, acquisitions, partnerships, awards, patents, or compliance certifications are recorded. The legal/impressum contact address is Tengstr. 4, 80798 München, and a separate privacy contact address is Falkenstraße 15d, 81541 München. The website (splid.app) is bilingual in German and English, hosted on Squarespace infrastructure.

The business model is freemium in name but free in observable practice: the app is offered at no cost, with no documented premium tiers, subscriptions, in-app purchases, ads SDK, or paid feature gating. No pricing details, named customers, integrations, banking or payment-rail partnerships, or revenue figures are disclosed. Distribution is exclusively through the Apple App Store and Google Play Store, with no enterprise or B2B sales motion. Marketing is limited to app store optimization, the bilingual website, and organic word-of-mouth among friends, travelers, and roommates.

Name

Splid

Legal name

Splid

Website

https://splid.app

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Splid is a Munich-based mobile bill-splitting app that lets travel groups, housemates, and couples track shared expenses offline or online, auto-convert across 150+ currencies, and export PDF or Excel summaries, offered free with no sign-up required.

Ownership category

akta.pro rank

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Operations, Marketing or Sales, Personnel

Revenue model

1. Free App Model: The app is offered completely free with no apparent premium tiers or paid features mentioned. Revenue generation model is unclear from available sources.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Splid is a mobile application that enables groups of people to split bills and shared expenses during travel, housemates arrangements, and among friends. The app operates offline without requiring account creation and supports automatic conversion across more than 150 currencies. It generates PDF and Excel reports for expense reconciliation and targets individual consumers who want a private, no-sign-up expense tracking tool.

Product overview

Splid is a single mobile application for splitting shared expenses. The core product is the Splid mobile app available on iOS and Android, which enables users to create groups to track expenses, supports over 150 currencies, works offline, and allows users to download summaries as PDF or Excel files. There are no additional modules or add-ons — it is a unified product offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Splid Splid is a free mobile application that lets groups of people split bills and track shared expenses offline across more than 150 currencies, export PDF and Excel reports, and operate without account creation. It is aimed at international travel groups, roommates, couples, and friends who want a private, no-sign-up expense tracker on iOS and Android.

Quantifiable outcome

• Eliminates arguments and second-guessing about expense balances

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Splitwise: Splitwise is the US-based category leader in group expense splitting and the most direct competitor to Splid. It serves the same use cases (trips, roommates, couples), offers a comparable mobile-first experience, and is widely recognized as the default expense-splitting app—making it the most directly comparable peer.
• Tricount: Tricount is a group expense-splitting app owned by BNP Paribas, widely used across Europe. It directly overlaps Splid on the trip-and-roommate use cases, supports multi-currency, and represents a well-resourced incumbent competing in Splid's home European market.
• Wallet by BudgetBakers: Wallet is a personal finance app that includes expense tracking and shared budgets among households. While broader than Splid, it competes on the consumer expense-tracking axis and is comparable on shared-living use cases.
• Settle Up: Settle Up is a mobile group expense-splitting app with similar functionality, including multi-currency support and group settlement tracking. It is a direct competitor to Splid in the consumer travel and shared-living expense-splitting category.
• Dyme: Dyme is a Netherlands-based expense and budget tracking app that includes group expense splitting among its core features. It overlaps Splid on the consumer-side expense-splitting functionality and represents a comparable European consumer fintech product.
• Splitter: Splitter is a consumer bill-splitting app focused on similar use cases (groups, travel, shared expenses). It competes head-to-head with Splid in the same horizontal consumer segment with comparable mobile-app delivery.
• Group Expense Manager: Group Expense Manager is a straightforward group expense tracking and splitting app available on mobile platforms. It is a direct comparable to Splid in functionality (group tracking, splitting, settling), serving the same horizontal consumer use cases.

Emerging players

• Honeydue: Honeydue is a couples-focused finance and bill-splitting app. It addresses a narrower use case than Splid (couples rather than groups/trips/roommates), but is a relevant emerging competitor in the consumer expense-sharing space.
• Outsetta: Outsetta is an emerging expense-sharing app targeted at groups and shared households. It overlaps Splid on shared-expense tracking and represents a niche emerging competitor in the consumer group-expense category.

Broad incumbents

• Spendee: Spendee is a broader personal finance and budgeting app that includes shared wallets and expense sharing. It is a larger, broader incumbent than Splid, overlapping on shared-expense functionality as part of a wider finance-management portfolio.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/splidapp
• LinkedInlinkedin.com/company/splid

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Splid