# Splitkia

> Splitkia is a free, offline-first group expense splitter for Android. It tracks who owes what between flatmates, couples, friends and travel groups, in any currency, with no daily limits and no ads. It never holds, sends or receives money.

Key facts:

- Platform: Android. Coming soon to Google Play (not yet available). No iPhone app.
- Price: free. No ads. No daily limit on expenses.
- Sign-in: Google account only.
- Splits: equally, by exact amounts, by percent or by shares; several payers on one expense; splits always add up to the exact amount (leftover pennies are assigned by a fixed, deterministic rule).
- Balances: per group and overall; the "simplest way to settle" uses the fewest payments; balances in a group always sum to zero.
- Settling up: opens PayPal, Monzo or a UPI app with the amount filled in, or records cash. Splitkia never moves money.
- Currencies: every currency with its correct decimals; one currency per group; a home currency with converted totals (daily reference rates, display only).
- Offline: everything works offline and syncs when back online; a status shows pending changes.
- Repeating bills: weekly, every 2 weeks, every 4 weeks, monthly or yearly; skip, pause, resume, end; the leftover penny takes turns.
- Payment plans: pay back a debt or loan in fixed instalments (up to 260), with progress and due dates; nothing is paid automatically.
- Privacy: data on the phone is encrypted; no ads; data is never sold; usage analytics only with consent; data export and account deletion.

## Pages

- [Home](https://splitkia.com/): overview of every feature, FAQ
- [Full feature facts](https://splitkia.com/llms-full.txt): plain-text description of every feature
- [Terms of Service](https://splitkia.com/terms/): the agreement users accept in the app
- [Privacy Policy](https://splitkia.com/privacy/): what data is collected, why, and user rights
- [Delete your account](https://splitkia.com/delete-account/): how to delete a Splitkia account

## Optional

- [FAQ](https://splitkia.com/#faq): direct answers to common questions