What is Spendulge?
Spendulge is a tool designed to simplify expense tracking and settlement within groups. It allows users to log shared expenses, automatically calculate who owes whom, and manage repayments without manual arithmetic. The tool is aimed at flatmates, friend groups, travel companions, and anyone who frequently splits costs and needs a straightforward way to settle debts. The core function is tracking who paid for what and ensuring fair division of costs amongst group members. Rather than relying on memory or spreadsheets, Spendulge centralises expense records and generates clear breakdowns of who needs to pay back whom. It removes friction from the process of resolving group finances, which typically involves back-and-forth messages and confusion over who settled what.
Key Features
Expense logging
Record shared costs with descriptions, amounts, and which group members are involved.
Automatic settlement calculation
The tool determines best payment flows to resolve all debts with minimal transactions.
Group management
Create separate groups for different circles (flatmates, travel buddies, event planners) and track expenses within each.
Payment history
View a complete record of all expenses logged and past settlements.
Cost splitting options
Divide expenses equally, by custom amounts, or by who benefitted from each cost.
Debt summary
See at a glance who owes what and to whom across your groups.
Pros & Cons
Advantages
- Free to use with no subscription required.
- Removes ambiguity from group expense management and reduces interpersonal friction.
- Quick setup and straightforward interface for logging expenses on the go.
- Handles complex multi-person splits without requiring manual calculation.
Limitations
- Limited information available about supported payment methods or integration with banking systems for actual transfers.
- Unclear whether the tool supports advanced features like itemised bills or recurring expenses.
- Reliant on group members actively using the platform to maintain accurate records.
Use Cases
Flatmates splitting rent, utilities, and household shopping costs over a month or year.
Groups of friends tracking expenses during holidays or weekend trips.
Housemates organising shared purchases and calculating individual contributions.
Event organisers managing costs for group outings and determining per-person expenses.
Project teams tracking shared business expenses that need to be reimbursed.