Splits is in the sidebar under Money; on a phone, it's under More. It has four tabs: Bills, People, Groups and Activity.
Bills
At the top is where you stand: your partner's card on Thrive Duo, then a line for each other person with something open. Each says how the balance is made up, like "$1,496.76 owed to you on 4 bills, less $109.36 you owe on 2 bills. Settling up clears them all." Choose Settle up there to record a payment (one line per currency if you split in more than one).
Below that, every bill that's still waiting to be settled is listed straight away, whatever its date, newest first. Eight show; choose Show all for the rest. There are two lists, and each heading says how many bills it holds and what they come to:
- Owed to you: bills you paid, where someone still owes you.
- You owe: bills someone else paid, where you still owe them.
Under them, Squared up lists the bills that are settled. This is the only list the date picker changes, so it's how you look back. It starts on this month; use its arrows to step to another month, or open it for a quick period like the last 3 months, or two dates of your own. The latest five show.
Each bill shows who's on it, what was paid and your share. The end of the row says what is still open and whose debt it is, like $13.29, Sam owes you or $45.81, You owe Sam. A bill with several people says how far along it is, like 1 of 3 paid back. The round tick at the end of the row marks the whole bill squared up: what's left on it is recorded as paid. Tap the tick again if it wasn't paid after all.
Tap a bill to open it:
- Each person's part, with Paid to record that they paid it (on a bill you owe, I paid), and Not paid to take it back.
- Change the split to change who's on it or how it's divided.
- The transaction to open the purchase itself. A bill someone else paid shows Edit the bill instead.
- On Thrive Duo, a bill with your partner also has its note, which either of you can write with Add a note.
Your saved splits sit in a Saved splits row on Bills, for splitting a purchase your usual way in one tap. At the foot of Bills, a quiet line may point out bills people often share at home: rent, a mortgage, and utilities, internet or streaming that repeat. Choose Split to split one equally with people or a group, or the × to stop suggesting that biller on this device. Finly Money never guesses at everyday purchases; splitting is always your choice.
People
Everyone you split with, biggest balances first: Owes you, You owe or Settled up. Tap someone to see what's open between you, Settle up, Edit their details, and Everything between you. Choose Add a person to add someone new.
To remove someone, open them, choose Edit, then Remove. If they're on past bills, they leave your list but those bills keep their name.
Groups
Groups are people you split with often, like roommates or a trip crew. Choose New group, give it a name and pick who's in it (you always are), then Create group. When you split a bill, a group is one tap.
Activity
Every bill and payment in the period you picked, newest first, with a date picker like the one on Bills. A payment recorded for a particular bill says which one. Tap a bill to open it, or a payment to open that person.
How balances add up
A bill stays open until it's paid back or you settle up. If you and someone owe each other on different bills, both stay listed: what they owe you doesn't cancel what you owe them until you settle up, so Owed to you and You owe always show the whole picture.
A payment recorded against a bill pays that bill and nothing else: ticking one bill never touches the others. A payment toward everything someone owes goes to their oldest open bills first. Settle up for the whole balance records one payment and clears every open bill between the two of you, both ways. A bill cleared that way without anyone paying it reads Evened out. If you owe each other exactly the same amount, everything between you is squared up. Balances count every month, whichever period you're looking at.