The only expense splitting app that doesn't just tell you who owes what — it helps you actually get paid, budget smarter, and grow your money. All in one place.
The awkward "hey, can you transfer me?" texts. The spreadsheets that nobody updates. The friends who "forgot".
Chasing money from mates kills friendships. Awkward texts, passive-aggressive hints, and IOUs that never get paid.
Most apps show the number. Then you still have to open your banking app, find the BSB, type the amount, add a reference…
You set it up perfectly. By fortnight 3 it's out of date and you're back to guessing where your money went.
Shared bills, different salaries, different spending styles — and no fair system to handle all of it without resentment.
Hunting through 12 months of bank statements to find your WFH expenses and split costs for the ATO.
No system for Wants, savings, investments. Just hoping there's enough left at the end of fortnight.
Built from scratch for Australians — PayID settle-up, fortnightly budgeting, ATO tax reports, spending insights and a personal WISE wealth system, all in one app.
Scan any receipt — SplitYa reads it, splits it by item, handles discounts, loyalty cards, and even quantity splits (4 beers for Ben, 1 each for the rest).
✓ FreePre-filled PayID details with a unique reference code. One tap to open CommBank, ANZ, Westpac, NAB or any other banking app. SplitYa auto-reconciles when confirmed.
⭐ Good Mate+Set rent, internet, Netflix — and let SplitYa remind and split them every period automatically. Update the amount from any future date without touching history.
✓ FreeMaster bedroom gets 40% rent? Formalise it in SplitYa — both parties confirm, it's logged with a date, and applies automatically forever.
⭐ Good Mate+See every upcoming bill, recurring expense, and group payment on a calendar. Sync to Google Calendar, Apple or Outlook for reminders.
🏆 Top MateYour WFH expenses, split costs, and claimable amounts — pre-calculated, ready to export as PDF or CSV, or send straight to your accountant. Information is for reference only — not tax advice.
🏆 Top MateShare a group with anyone — even if they're not on SplitYa. They can see expenses, join the group, and it becomes your best free user acquisition channel.
⭐ Good Mate+Shared building costs, maintenance levies, committee budgets — all tracked in one place. Purpose-built for apartment owners and strata managers.
🔜 Coming soonUpload your bank CSV or PDF statement — SplitYa reads your transactions, categorises them into WISE buckets, and lets you review before importing.
🏆 Top MatePeriod and financial-year breakdowns of every dollar you spend — fixed vs variable, category donut chart, WISE savings rate, budget pace vs FY, and personalised tips.
🏆 Top MateSay 'Add $45 Coles groceries today' or 'Add $80 dinner split equally with Luiz' — SplitYa understands natural Australian speech and pre-fills the expense form instantly.
🏆 Top MateMost apps stop at "who owes what." SplitYa goes further — it helps you actually manage your money with the WISE method, inspired by The Richest Man in Babylon and T. Harv Eker's 6 Jars system.
Your guilt-free spending account. Transfer this on payday and spend from it freely — no tracking, no justification needed. You deserve it.
Recommended 10%Your investment fund — shares, ETFs, crypto, super top-ups. This money multiplies. The goal is financial freedom, not just savings.
Recommended 10%3, 6 or 12 months of living expenses in a high-interest savings account — completely separate, completely untouched unless life hits hard.
Recommended 10%Rent, utilities, groceries, transport — everything you actually need. Your fixed expenses auto-calculate this every pay period.
The remainder ~70%Every Australian with a bank account has PayID. SplitYa is the only expense app that pre-fills your payment and deep-links into your banking app — so paying takes one tap, not five minutes.
Every split, every group, all simplified automatically so you make the minimum number of transfers possible.
PayID email, exact amount, and a unique reference code (e.g. SY-JAPT-AJ) so SplitYa knows exactly which debt this clears.
CommBank, ANZ, Westpac, NAB, ING — deep-linked so you land on the payment screen, not the home screen. SplitYa never touches your bank.
Mark it paid, your mate confirms receipt — and the balance disappears. No more "did you get it?" messages.
Start free. Upgrade when you're ready. Cancel anytime — no lock-in, no dramas.
✓ Fixed & recurring expenses never count toward your monthly limit · 🇦🇺 Prices in AUD · Cancel anytime
Absolutely not. SplitYa never connects to your bank, never asks for banking credentials, and never processes payments. We simply pre-fill your PayID details (email + reference code) and deep-link to your banking app — exactly like someone texting you "hey, my PayID is this email." Your bank handles every dollar. SplitYa just removes the friction of typing it all manually.
PayID is Australia's real-time payment system — you link your email or mobile number to your bank account, and anyone can send you money instantly using just that email or number. SplitYa pre-fills the PayID, amount and a unique reference code, then opens your preferred banking app so you can pay in seconds. When your mate confirms receipt, the debt auto-clears in SplitYa.
WISE stands for Wants, Independence, Safety and Essentials — SplitYa's own budgeting method inspired by proven strategies like The Richest Man in Babylon and T. Harv Eker's 6 Jars system. It divides every pay cheque into 4 categories with a clear purpose — so there's no guessing where your money should go. You set it up once, and SplitYa tracks everything automatically from your real spending.
Yes — and it's one of SplitYa's strongest features. Couple mode lets you set individual Wants and Independence amounts (each person's money stays private), a shared Safety fund calculated on combined income, and income-proportional splits for shared expenses. Works perfectly whether you have joint accounts, separate accounts, or a mix of both.
No. You can add anyone to a group using just their name and mobile number or email — they're tracked in the group straight away, with no download needed on their part. To confirm payments or manage the group themselves, they'll just need a free account. (Shareable view-only links, so non-members can preview a group in their browser, are coming soon.)
SplitYa is built for Australians first — AUD default, PayID integration, Aussie tax (ATO) reporting, and language that feels like home. But it supports 20+ currencies and works for anyone, anywhere. The PayID feature is Australia-specific, but every other feature works globally.
Yes. On Good Mate and Top Mate plans you can export your expense history as CSV. The ATO tax report (Top Mate) exports as PDF or CSV and is specifically formatted for Australian tax return purposes, including itemised claimable deductions from your split expenses.
Voice Commands let you add expenses by speaking naturally — 'Add $45 Coles groceries today' or 'Split $80 dinner equally with my group'. SplitYa uses AI to understand what you said and pre-fills the form. CSV import lets you upload your bank statement and SplitYa automatically reads your transactions, categorises them and imports them in bulk. Both features are available on the Top Mate plan.
Join thousands of Australians who actually know where their money goes. Start free — no credit card needed.
Free forever plan · 14-day trial of any paid plan · No credit card · Cancel anytime