Frequently asked questions
Short answers to the most common questions about Monkey Split. If you're looking for the full feature list, the llms.txt has it — or head to the app.
Is Monkey Split free?
Yes. No ads, no tracking, no paywall, and no account limits. A paid tier for power features may appear later if infrastructure cost demands it, but splitting with a few friends will stay free.
How is it different from Splitwise?
Monkey Split puts multi-currency, charts, CSV export, and recurring expenses on the free plan — features that sit behind Splitwise Pro. It also has a real offline-first PWA with a local write queue, no ads, and no third-party trackers. Splitwise still wins on native mobile apps and receipt OCR.
Does it work offline?
Yes. Monkey Split is an offline-first PWA. All writes go through a local offline queue with merge semantics (e.g. creating then deleting an unsynced expense cancels without ever touching the server), and the app syncs automatically when the device comes back online. Reads are served from a 5-minute stale cache while offline.
Which currencies are supported?
30+ currencies using daily ECB (European Central Bank) reference rates, fetched once per day via cron and cached in Cloudflare KV. Each expense keeps its original currency; the group has a chosen base currency. Per-transaction conversions are pre-calculated server-side, so balances don't drift between sessions.
What split methods are supported?
Four per expense:
- Equal — split evenly across selected members.
- Shares — weighted (e.g. 2 shares for the person who had two drinks).
- Percentage — exact percentages per member.
- Exact amounts — enter each member's share in the currency.
How does settlement work?
A greedy algorithm computes the minimum number of transfers needed to zero out all balances in a group. One tap records a suggested transfer as a transaction. If the payee has set a PayPal username, the settlement row links directly to PayPal.me for the exact amount.
Is my data private?
Yes. No ads, no third-party analytics, no fingerprinting, no sale or sharing. Data is stored on Cloudflare infrastructure (Workers, D1, KV) with first-party session cookies. Invite-code passwords are hashed (SHA-256 + per-code salt); plaintext is never stored.
Full details: Privacy Policy.
Do I need to install an app?
No. Monkey Split runs in any modern browser. You can optionally install it as a PWA on iOS, Android, or desktop for a standalone app experience with offline support and a home-screen icon.
Can I export my data?
Yes. Every transaction view supports CSV export — either the current filtered set or a manually selected batch — with conversions and participants included. The output is Excel-compatible.
How do I invite someone to a group?
Each group has a 6-character invite code, with an optional password
for extra safety. Share the code (or a deep link like
/join/ABC123) and the other person joins via their own
account. Codes can be regenerated at any time.
What are recurring expenses?
Set an expense to repeat monthly (or another cadence) — rent, Netflix, gym — and Monkey Split projects the upcoming occurrences. You confirm, skip, or edit each one with a single tap, so you're never auto-posting wrong amounts.
Is there a mobile app?
Not a native one. Monkey Split is a PWA — install it from Safari (Share → Add to Home Screen) or Chrome (Install button in the address bar) and it behaves like an app, with offline support and a home-screen icon.