How it Works

From setting up a group to settling up - here's exactly how it works.

Step 1

Create group

Start by naming your group and adding the people involved.

Link dependents to the right adult
Each group tracks its own expenses
No account needed to start

Create group - add people and define who depends on whom

Step 2

Add expenses

Log each shared payment - who paid, what for, and who it covers.

Split equally, by amount, percentage, or weight
Instant impact preview before saving
Any member can be the payer

Add expense - title, amount, participants, and instant impact preview

Step 3

Check balances

See everyone's current balance at a glance - no math required.

Per-person balance always current
Recent activity at the top
No mental math required

Overview - balances and recent activity at a glance

Step 4

Expense list

Every expense in one place, from the first to the latest.

Full record from the first expense
Edit or delete past entries
Balances recalculate instantly

Expenses - every shared expense in one list

Step 5

Settle up

LuSplit works out the fewest transfers to bring all balances to zero.

Fewest transfers possible
No money moves through the app
A suggestion to act on - no money moves in the app

Settle up - the minimum transfers needed to clear debts

Step 6

Record payments

Mark each payment done to keep balances accurate and the history clean.

One tap per suggested transfer
Works with custom amounts too
Keeps the full history consistent

Record payment - save a suggested payment directly