How to split expenses with friends using Split Groups

Create a group

Open Split Groups and create a new group — name it for the trip or household (e.g. 'Baguio 2026' or 'Unit 4B').

Add the people

Add each friend by name. They don't need a BudgetPH account. Optionally add an email to invite BudgetPH users, or copy the share link to send to your group chat.

Log expenses as they happen

For each expense, pick who paid (one person or several) and how it splits — equally, by exact amounts, by percentage, or by shares. BudgetPH resolves everyone's share instantly.

Check the balances

The group shows each person's net balance — who's owed and who owes. It updates the moment anyone adds an expense.

Settle up

Open the Settle Up panel to see the minimum set of payments that clears every debt. After someone pays, tap 'Mark settled' to record it.

Frequently asked questions

Can friends add their own expenses?

Yes — share the group link and anyone can add expenses from their browser, no account needed.

Can I get my share into my personal budget?

Yes. One tap adds your share of the group's expenses to your Non-Essentials for the current month.

Related features

Split Groups →