ATM Split
Bill-splitting built for travelers, roommates, and friends. Fast, private, fully offline — and the only one with native Arabic RTL support. No account required.
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Features
Expense Groups
Create separate groups for different contexts — roommates, trips, events, dinners. Keep everything organized.
4 Split Modes
Equal split, exact amounts, percentage-based, or weighted shares. Choose what fits the situation.
Multi-Currency
Each expense can use its own currency. The app handles exchange rates and converts everything to a base currency for settlements.
Smart Settlements
The settlement engine calculates the minimum number of payments needed to settle all debts in the group.
Expense Categories
Categorize expenses — groceries, dining, transport, utilities, entertainment — and see breakdowns per category.
CSV Export
Export all group expenses and settlement history to CSV for your own records.
How to Use
Create a group — Make a new expense group for your trip, apartment, dinner, or event.
Add members — Add everyone in the group with their names. Each person gets a unique color.
Log expenses — When someone pays for something, add the expense, select who paid, and choose how to split it.
Choose a split mode — Equal (everyone pays the same), exact (specify amounts), percentage, or shares.
Settle up — Tap "Settle Up" to see simplified debts — who owes whom and how much, with minimal transfers.
Record payments — When someone pays their share, record the settlement to keep the group up to date.
Frequently Asked Questions
Do my friends need the app too?
No. ATM Split is a personal tool for tracking who owes whom. You manage all the expenses yourself and can share the results with your group via CSV export or just by showing them the app.
Can I mix currencies in a single group?
Yes. Each expense can use a different currency, and ATM Split fetches live exchange rates to settle everything in your group's base currency.
How does the settlement calculation work?
The app uses a debt simplification algorithm that finds the minimum number of payments needed to settle everyone up. Instead of 10 people making 20 small transfers, it might reduce it to just a handful of clean payments.
Can I export my group's history?
Yes. Every group can be exported as CSV, including all expenses, splits, and settlements. You own your data.
Is there a limit on group size or number of groups?
No. Create as many groups as you want with as many people as you need.
Privacy
ATM Split stores all data on your device. No accounts required. No data is sent to external servers.