Schuldnix splits shared costs for trips, flatshares, couples and events. Add who paid what, and it works out who owes whom with the fewest possible transfers.

What it does:

• Groups with invite link, QR code or WhatsApp share

• Split equally, by exact amounts or by percentage

• Foreign currencies with automatic conversion

• Receipts, comments and a change history per expense

• Data export, plus free calculators that work without signing up

Why it exists: the popular splitting apps now push ads, paywalls or daily expense limits. Schuldnix is free, has no ads and no tracking, and runs in any browser, so friends can join from a link without installing anything. It is built and hosted in Germany and GDPR-compliant. The app is German-first; the English version is rolling out this week.