How Sumzy works
Create a group
Start a group for a trip, your apartment, a couple or a night out, and invite friends by email. They don't need the app yet to be part of it.
Add expenses
Log who paid and how to split it — equally, by exact amounts, percentages, shares or item by item. Each expense keeps its own currency.
Settle up
Sumzy works out who owes whom with the fewest payments. Record a payment when the money changes hands and the balance goes to zero.
Everything a shared expense needs
Every way to split
Equal, exact amounts, percentages, shares, adjustments and itemized, with multiple payers on one expense. Splits always add up to the cent.
Multiple currencies, never mixed
Spend in reais, dollars and euros on the same trip. Balances stay separate per currency, so nothing gets lost in a conversion you didn't choose.
Fewer payments
Debt simplification collapses chains of IOUs so the group settles up with the fewest transfers, in each currency.
Itemized bills
Split a restaurant bill by what each person had. Tax and tip are shared in proportion, automatically.
Works offline
Add expenses with no signal — on a plane, a trail or abroad. Sumzy syncs when you're back online.
No passwords
Sign in with a one-time code by email, or with Google or Apple. Nothing to remember, nothing to reset.
Made for every shared tab
Trips
Track a group trip across countries and currencies, then settle up once you're home.
Roommates
Rent, utilities and groceries in one place, with a running balance for everyone in the house.
Couples
Split fairly even when it isn't 50/50 — by percentage, shares or exact amounts.
Dinners & events
Divide the bill item by item and know who still owes what after the night is over.
Free to start, Pro when you need more
Every split type, multi-currency balances, debt simplification and settling up are free, with up to 7 new expenses a day. Sumzy Pro removes the daily limit and adds recurring expenses.
Frequently asked questions
Is Sumzy free?
Yes. Sumzy is free to download and use, with every split type, multiple currencies and settling up included. The free plan allows up to 7 new expenses a day; Sumzy Pro removes that limit and adds recurring expenses.
How is Sumzy different from Splitwise?
Sumzy keeps every currency separate instead of mixing them, has a more generous free daily allowance than Splitwise, works offline, and is fully translated into 8 languages, including Brazilian Portuguese.
Do my friends need to install the app?
No. Add anyone by email and they're part of the group right away, with their balance tracked. When they sign in with that email, everything is already there.
Can I split expenses in different currencies?
Yes. Each expense has its own currency and balances are kept per currency, so a debt in reais and one in dollars are never added together. You can convert a debt to another currency when the group decides to.
Does Sumzy work offline?
Yes. You can add and edit expenses without a connection; Sumzy syncs your changes when you're back online.
Which languages does Sumzy support?
English, Português (Brasil), Español, Français, Deutsch, Italiano, 日本語 and 简体中文 — in the app and on this site.
Start splitting in a minute
Download Sumzy, create a group and add your first expense.