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SplitGoGo

Capabilities

SplitGoGo gives your product a complete shared-money layer through one API.

Unified budgeting and splitting

Section titled “Unified budgeting and splitting”

Track group spending against a shared budget and know who owes whom, in the same ledger. Most products offer one or the other. SplitGoGo treats them as one model so a group sees both their running total and their balances at once.

Flexible splits

Section titled “Flexible splits”

Split any transaction the way the group actually shared it:

Equal

Divide a cost evenly across the chosen participants.

Weighted

Allocate by shares or weights (for example a couple counts as two).

Itemized

Break a cost down line by line per participant.

Custom

Set exact amounts per participant.

Multi-currency, natively

Section titled “Multi-currency, natively”

Currency is a first-class concern, not a bolt-on. Every amount carries its currency, transactions store the exchange rate to the ledger base currency at the time they happened, and balances stay correct as rates change.

Receipts with automatic extraction

Section titled “Receipts with automatic extraction”

Upload a receipt image or PDF and SplitGoGo extracts the amount, currency, date, merchant, and a suggested payer, with a confidence score, so a real cost can be confirmed in one tap instead of typed. The receipt is stored privately and linked to the transaction it confirms.

Settle-up plans

Section titled “Settle-up plans”

SplitGoGo computes each participant’s balance and proposes the minimal set of transfers to bring everyone to zero, so a group settles in as few payments as possible.

Append-only, auditable ledger

Section titled “Append-only, auditable ledger”

Transactions are immutable. Changes are recorded as corrections that supersede the original, and the original is retained. The full history is preserved for audit, and balances can always be recomputed from the record.

Built to embed

Section titled “Built to embed”

Headless API

Everything is available over REST. You build the UI; SplitGoGo owns the data.

Multi-tenant

Each partner is an isolated tenant with its own keys, data, and environment.

Webhooks

React to transaction, ledger, and settlement events in your app.

Your context, carried

Attach opaque metadata and external IDs to map records back to your domain.

Next

Section titled “Next”

Security

Hosting, encryption, isolation, and data posture. Review security