Kup: Singaporean slang for going dutch.
The problem
I tried using an online bill splitter recently and was immediately hit with a wall of unnecessary steps. Choose a currency. Create an account. Name your group. Add an event. It felt like I was setting up a project management tool, not splitting a $80 dinner.
Apps like Splitwise are great, if you're tracking expenses over weeks or months with the same group. But most of the time, I just need to split a one-off night out. A dinner. A clubbing night where someone booked the sofa. Nothing that warrants a commitment to yet another app.
What I wanted
Something fast. Enter who paid what, how much each person's share weighs, and get the settlement, who owes whom and how much. That's it.
I also wanted the result to be screenshotable. No login walls, no app downloads. Just a clean breakdown you can drop into the group chat and move on with your night.
For the times you need to send it later, there's an optional shareable link. But the screenshot is the main output.
What Kup does
- Add participants: name, amount paid, and an optional weight for uneven splits
- Get instant settlements: the minimum number of transactions to square everyone up
- Screenshot it or share a link: your choice
That's the whole thing. No currency picker (you already know what currency you're using). No account creation. No group management.
Weighted splits
The one feature worth mentioning: weights. Picture a night out, you've got a group of three friends sharing one tab, a couple sharing another, but when it comes time to pay, it's one person from each group settling up. Weights let you represent that. A group of three gets a weight of 3, the couple gets 2. Kup figures out the fair share without anyone reaching for a calculator.
Built for the group chat
Kup isn't trying to replace Splitwise. It's for the other 90% of splits, the quick, one-time ones where you just need a number and a name. Split it, screenshot it, send it.