All Startup Ideas

Expense Splitter App

Build an app that splits group expenses fairly, tracks who owes whom, and settles with a single payment. Perfect for trips, roommates, and dinners.

Every group trip, every dinner with friends, every shared house ends the same way: someone Venmo-requesting, others forgetting who paid what, and awkward "you still owe me $23" conversations weeks later. Splitwise exists but feels dated and bloated. People want something simpler.

Built for Developers, Solo Founders, Weekend Builders.

Splitwise reports 50M+ downloads and last raised on a $1B+ valuation; Pro tier at $4/mo is the market's price anchor.

Zelle processed $1T+ in P2P payments in 2023 and Venmo passed $270B in annual TPV—settlement rails are solved; splitting UX is not.

A clean, modern expense splitter that creates a group, logs expenses, and calculates the minimum number of payments needed to settle up. Integrates with Venmo/PayPal for one-tap settlement.

Suggested stack: Next.js 14 PWA + TypeScript, Supabase, GPT-4o Vision (receipts), Stripe, Open Exchange Rates, Resend. Weekend scope: about 8 hours.

The Problem

Every group trip, every dinner with friends, every shared house ends the same way: someone Venmo-requesting, others forgetting who paid what, and awkward "you still owe me $23"…

The Solution

A clean, modern expense splitter that creates a group, logs expenses, and calculates the minimum number of payments needed to settle up. Integrates with Venmo/PayPal for one-tap…

Market Research

Splitwise reports 50M+ downloads and last raised on a $1B+ valuation; Pro tier at $4/mo is the market's price anchor.

Competitive Landscape

Splitwise — Category king. Works, but UI is a decade old, Pro tier feels nickel-and-dimed, and the travel-specific workflow (multi-currency, receipt photos, exchange rates) still…

Business Model

Free ($0) — 1 active group, up to 5 members, basic split math, Venmo/Cash App hand-off

Recommended Tech Stack

Next.js 14 PWA + TypeScript — App Router, installable PWA with service worker for offline expense entry. IndexedDB queue drains to Postgres on reconnect.

AI Prompts to Build This

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  1. 1. Project Setup

    Create a Next.js PWA for an Expense Splitter app.
    
    Features:
    - Landing page with "Start a Group" CTA
    - Create group: name, invite link generation
    - Group dashboard: members, expenses list, balance summary
    - Add expense modal: amount, description, who paid, split type (equal/exact/percentage)
    - Each member sees their balance (owed/owing)
    
    Use Supabase auth (magic link for easy onboarding) and database. Make it installable as PWA for mobile.
  2. 2. Core Feature

    Implement the settlement optimization algorithm:
    
    1. Calculate net balance for each person (total paid - total owed)
    2. People with positive balance are owed money; negative balance owe money
    3. Implement minimum transaction algorithm:
       - Sort creditors and debtors
       - Match largest debtor with largest creditor
       - Settle minimum of both amounts
       - Repeat until all settled
    4. Display settlement plan: "Alice pays Bob $50" etc.
    
    This minimizes total number of transactions needed.
  3. 3. Payment Integration

    Add payment links for settlement:
    
    - Generate Venmo deep links: venmo://paycharge?txn=pay&recipients={username}&amount={amount}¬e={description}
    - Generate PayPal.me links: paypal.me/{username}/{amount}
    - Add "Mark as Paid" button to manually record settlements
    - Send push notification when someone marks payment complete
    - Keep history of all settlements
    
    Allow users to save their Venmo/PayPal username in settings.