Features
It is deliberately not a bank. Every screen on this page is the app as it ships today — nothing here is a roadmap.
Six ways to split
Equally. By exact amounts. By percentage. By shares, when two people had a room and one had a sofa. Equally but with an adjustment, for the one who also bought the coffees. Or item by item, so the person who had the wine pays for the wine.
Every share is recorded separately, and the remainder cents are handed out in a fixed order, so everyone's arithmetic adds up to the same total — on every phone, even two that split the same bill offline.
Add an expense
An expense opens on a number pad, because the amount is the one thing every bill has and the thing you are holding in your head. The share each person owes updates under the figure as you type, so you see "€26.40 each" before you have finished.
Or just say it. Tap the microphone and say "I paid 60 for dinner with Jo and Priya", or type it, and the form fills itself in — who paid, how much, what for and who shared it — for you to check and save. Somebody it cannot find in the group is named, never guessed.
Snap the receipt while you are at it (Pro). The photo stays with the expense for everyone in the group to see — and if you are offline, it waits on your phone and goes up with the expense.
Type the amount as you'd say it — 1-2-3 is 123, and the decimal key starts the cents, whichever separator your phone uses. Yen and won get no decimal key at all.
Settle up
Simplified debts collapse a tangle of four people owing each other into the smallest set of payments that clears it. Marking one done records it; the money itself moves in whatever app you already use, and Antemate points you at the right one.
And when somebody forgets, you do not have to be the one who asks. Tap Remind and they get one notification saying what they owe you — once a day at most — or let the group remind everyone who owes, weekly or monthly, at ten in the morning their time.
Antemate never holds or moves a cent. No custody, no transfers, no licence, no waiting three days for anything to clear.
Search and totals
Search across every group at once — by what it was called, what it cost, or who paid. And a breakdown per group: the total, your share, who has been fronting things, where the money actually went, and a chart of when you spent it, day by day on a trip.
Both free. The obvious competitor charges for the first one.
Comments and history
Every expense carries its own thread: what people said, and every edit, in one list in time order. "I thought that dinner was $16" is answerable by scrolling, not by remembering.
A comment reaches the people the expense is split between, and anyone already in the thread, as a notification with what was said — so a question gets its answer without anybody having to check.
An edit record cannot be deleted, because a history somebody can delete is not a history.
Every expense keeps the exchange rate from the day it happened, so a debt you agreed on Tuesday is still the same number on Friday. Each group counts in one currency, and across groups every currency is shown on its own, yours first — never added together at a made-up rate.
Add an expense with no signal at all. It syncs when you land, in the order it happened, and it cannot be lost or counted twice on the way — which is the actual hard part, and why the ledger is built around it rather than having it bolted on.
Add somebody by name and their shares count from the first expense; if they join later, they take over that seat. And one dinner with one friend needs no group at all — add them as a friend and split straight away.
Add the rent, a subscription or the power bill once and choose how often it repeats — weekly, fortnightly, monthly or yearly. It lands on its day, split the same way, and pauses rather than charging somebody who has moved out. Part of Pro; one person's Pro covers the rule for the whole group.
A receipt becomes a split, line by line, for you to check before anything is written. A menu in a language you don't read comes back in yours, with the original to point at. Free accounts get 3 scans and 1 menu to try; Pro gets 150 and 60 a month, because each photograph is a real cost — see pricing.
Give a trip a budget and watch planned against actual, day by day, while you are still on it (Pro). Linking a trip you planned in Yanvara is coming soon; Antemate works completely on its own if you never do.
Dark mode, large text and a screen reader are not an afterthought here: a balance says which way it points in words, not only in colour, because about one man in twelve cannot tell our green from our clay.
Coming from Splitwise? Import a group's export, free: every row lands with exactly the shares Splitwise had, so the balances you all agreed on arrive intact, and you see a preview before anything is written. Export any group as a spreadsheet that opens anywhere and imports back into Antemate — free, because your ledger is never behind a paywall. Or as a PDF statement, with balances, who pays whom and every expense, ready to print or send (Pro).
Your address book stays on your phone. Only the people you tick are sent — to invite them. And your ledger is never used to sell you things or handed to anyone.
Dinner with three friends, and no group for it? Add them all to one expense. Each friend's part lands in your balance with them, split equally or by amount — and the whole bill can be changed or deleted at once, later.
Record what was actually paid, not the whole debt. Every payment sits in the list beside the expenses, can be changed or taken back by the two people in it, and a payment tapped by mistake has an Undo.
Nine categories and more than forty kinds under them — a flight, a taxi, parking, rent, a subscription — each with its own picture. The guess learns what you call things, so the second "Uber" files itself.
A widget shows who owes you and whom you owe, across every group and friend. Press and hold the app icon to add an expense with the people you split with lately, scan a receipt or settle up.
An optional app lock with Face ID, a fingerprint or your passcode. Report and block are built in: a blocked person's comments and photos disappear for you, and they can't add you to anything.
A shared checklist for the group, a recap of where the trip's money went, local know-how for the country you are in — plugs, tipping, emergency numbers — and a shared pot everyone puts into (opening one is Pro).
A monthly close for a share house or a couple: last month's figures, closed, above who owes whom. Personal expenses you track without splitting, and group roles so an admin can tidy up.
A profile photo everyone you split with sees. Add people from your phone's contacts — only the ones you tick are sent, never the address book — or by name if they are not on it yet.
Share a link that shows the group's balances and latest expenses in any browser, for the friend who hasn't installed the app yet. Nothing can be added there, and it can be turned off at any time.
Free on iOS and Android
Every split, every currency, every balance, offline, with no ads — free, with 5 new expenses a day. Pro removes the limit and adds rent that repeats, receipts kept, PDF statements and the AI tools.
