The quiet ledger
between roommates.
Splits watches a linked bank account for recurring shared bills — rent, Wi-Fi, Spotify — and writes the IOUs automatically. Settling happens on Venmo or Cash App; Splits is a ledger, not a wallet.
The demo is a disposable account pre-seeded with fake friends, bills, and history — no sign-up needed, purged by a daily sweep at most ~48 hours after creation. Bank linking runs on Plaid sandbox only.
Link once. Splits forever.
Three steps, then it runs by itself — every time the charge lands, the ledger updates.
Connect a bank
Plaid links read-only (sandbox institutions in this demo). Access tokens are encrypted at rest.
Set a split
Pick a recurring transaction, choose friends and shares. The matching rule remembers the pattern.
It just runs
New charges auto-split into IOUs. Record a Venmo/Cash App settlement and both sides update.
Your roommate just paid the Wi-Fi.
We already knew.
Bills appear in your activity feed the moment they post — tagged, iconified, and split. No spreadsheet, no group chat reminders.
- Auto-detected, with the merchant logo where Plaid has one
- Grouped by day, sticky headers, infinite scroll
- Recurring badge so you know what's passive vs one-off
- $5.66Spotify Recurring
Alex owes you
- $41.20ConEd Auto
Brian owes you
- $933.33Apartment Recurring
Cara owes you
- $28.33Comcast Recurring
Brian owes you
Apartment rent
Merchant contains "Apartment" · $2,800.00 typical
each share
Every split is a living object.
See the cadence at a glance, who's in, and how the money has flowed between you over the last few months. No re-entering anything month after month.
- Even, percent, or fixed shares — recomputed on every charge
- Cadence strip shows months it actually hit
- Participants invited via friend request, then they auto-accept all future charges
See it running in two minutes.
A seeded demo account with friends, bills, and a Plaid sandbox bank — no sign-up needed.