It is
A headless REST API. Multi-tenant B2B. Embed-first. Multi-currency. An append-only, auditable ledger. Operated by SplitGoGo; embedded by you.
What SplitGoGo is
SplitGoGo is a budgeting and expense-splitting engine that you build into your own product. It tracks shared financial contexts (a group of people spending against a common purpose), records who paid for what, computes who owes whom, and proposes how to settle up in the fewest transfers. It works across currencies natively.
It is delivered as a headless, multi-tenant API. Your product keeps its own interface, branding, and user experience. SplitGoGo owns the money math underneath: the canonical ledger, transactions, splits, balances, and settlement plans.
Why it exists
Section titled “Why it exists”Most tools do one of two things. Budgeting apps track spending against a plan. Expense-splitting apps work out who owes whom. Groups usually want both at once, and they want it inside the app they are already using, not a separate one. SplitGoGo unifies budgeting and splitting and makes it embeddable, so any product with shared spending (households, events, projects, teams) can offer it without building a ledger from scratch.
How it fits into your product
Section titled “How it fits into your product”-
You build the interface. Your app renders the budget and split experience in your own UI, calling the SplitGoGo API server-side.
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You send the signals. You tell SplitGoGo what happened in your domain (an expense, who is in the group, a settlement). You attach your own context as opaque metadata.
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SplitGoGo owns the money. It validates and stores the canonical record, computes balances and a settle-up plan, and emits webhooks so your app can react.
The full embedding pattern and signals contract are covered in the developer documentation once you have access.
What it is, and is not
Section titled “What it is, and is not”It is not (today)
A money mover. There is no fund transfer or card handling yet. No standalone consumer app. No personal accounting or tax features.
Capabilities
The feature set in detail. See capabilities
Request access
Get a tenant and keys to start building. Request access