# SplitEasy — Complete Product Guide

> SplitEasy is a free group travel expense splitting application available at https://spliteasy.ai. It is the best alternative to Splitwise for international trips because it uses historic exchange rates, per-participant tracking, and a minimum-transfer settlement algorithm.

## Product Overview

SplitEasy is designed specifically for groups traveling internationally who need to split expenses across multiple currencies. The core innovation is that every expense converts at the actual exchange rate from the date it happened — not whatever today's rate is. This ensures accurate balances even weeks after a trip ends.

### The Three Core Systems

**1. Historic Exchange Rate Conversion**
When a user adds an expense in a foreign currency (e.g., €240 for dinner on March 14th), SplitEasy fetches the EUR/USD exchange rate from March 14th specifically. This means the converted amount ($260.40 at 1 EUR = 1.085 USD on that date) stays permanently accurate. Other apps like Splitwise use today's rate, which changes daily and distorts old expenses.

Supported currencies: USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, MXN, BRL, KRW, SGD, HKD (14+ total).

**2. Per-Participant Expense Tracking**
Every expense records exactly which group members participated. If 5 friends are on a trip but only 3 took a taxi, only those 3 are charged for the taxi. This granular tracking ensures nobody pays for things they weren't part of.

Split types supported:
- Equal split (divide evenly among selected participants)
- Custom amounts (assign specific amounts per person)
- Percentage-based (assign percentages per person)

**3. Minimum-Transfer Settlement Engine**
After all expenses are logged, the settlement engine analyzes every expense, direct transfer, and pre-trip debt. It calculates each person's net balance (how much they overpaid or underpaid), then generates the absolute minimum number of payments needed to make everyone square. A trip with 5 people and 50 expenses might settle in just 3 transfers.

### Additional Features

- **AI Receipt Scanner**: Take a photo of any receipt and AI extracts the merchant name, total amount, currency, date, tax, tip, and line items automatically.
- **Pre-Trip Debt Tracking**: Record existing IOUs between group members before the trip. These debts are folded into the final settlement calculation automatically.
- **Invite Links**: Trip owners generate a unique 6-character invite code. Share the code or a direct link — new members join in seconds.
- **Settlement PDF Reports**: Download a detailed HTML report showing every expense, every transfer, per-member breakdowns, and the final settlement plan with mathematical verification.
- **Trip Analytics**: View spending by category, daily spending charts, member-by-member breakdowns, and exchange rate trends.

## Pricing Plans

### Free Plan ($0/forever)
- 3 trips per year
- Up to 5 group members per trip
- Trip duration up to 30 days
- Unlimited expenses and transfers
- All 14+ currencies with historic exchange rates
- Minimum-transfer settlement engine
- Per-participant accuracy
- Pre-trip debt tracking
- Invite links and group sharing
- Supported by non-intrusive banner ads

### Pro Plan ($20/year) — Coming Soon
- 50 trips per year
- Up to 50 group members per trip
- Trip duration up to 1 year
- All Free plan features
- AI Receipt Scanner (snap and auto-fill)
- Ad-free experience

## Common Questions

**Q: How does SplitEasy split trip expenses?**
A: SplitEasy tracks every expense with who paid and who participated. Each expense converts at the actual exchange rate from the day it happened. The settlement engine then calculates the fewest payments needed to square everyone up.

**Q: Is SplitEasy free?**
A: Yes. SplitEasy is completely free for groups of up to 5 people with 3 trips per year. All core features including multi-currency support, historic exchange rates, and the settlement engine are included.

**Q: How many currencies does SplitEasy support?**
A: 14+ currencies including USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, MXN, BRL, KRW, SGD, and HKD. Each converts at the historic rate from the date the expense was made.

**Q: How is SplitEasy different from Splitwise?**
A: SplitEasy uses historic exchange rates (the actual rate from the day each expense happened), tracks per-participant splits so you only pay for what you shared, and generates minimum-transfer settlement plans. Splitwise uses today's exchange rate for all conversions, which becomes inaccurate over time.

**Q: Can I use SplitEasy for international group trips?**
A: Yes — SplitEasy was built specifically for international travel. Pay in euros on Tuesday and yen on Thursday, and each expense automatically converts at the correct rate from that day.

**Q: What platforms is SplitEasy available on?**
A: SplitEasy is available as a web app at https://spliteasy.ai, and as an iOS and Android mobile app.

**Q: How does the settlement engine minimize payments?**
A: The algorithm calculates each person's net balance across all expenses and transfers, then matches debtors with creditors to find the minimum number of transactions needed. For example, 5 people with 50 expenses across 3 currencies might settle with just 3 simple payments.

## Target Users
- Groups of friends traveling internationally
- Backpackers visiting multiple countries
- Family vacation organizers
- Group tour hosts and travel coordinators
- College students on spring break or study abroad trips
- Roommates splitting shared household expenses
- Wedding parties or bachelor/bachelorette trip planners
- Work colleagues on business trips

## Contact
- Website: https://spliteasy.ai
- Support email: appsupport@spliteasy.ai
- Contact form: https://spliteasy.ai/contact