## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- last_verified: "2026-05-13T07:39:27.975Z" --- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Splitly" developer_entity: "Abdullah Sulaiman" bundle_id: "com.Birg.splitly" app_store_id: "6745503837" google_play_id: "com.itrytoohard.owezy" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2025-08-10" report_date: "2026-05-13" last_verified: "2026-05-13" report_version: "1.0" total_reviews: 0 confidence: "low" confidence_score: 0.05 data_age_days: 0 momentum_velocity: "maintenance" intelligence_version: 3 nemesis: "mBillRunner" competitor_count: 7 tags: ["finance", "free", "mobile app", "app review", "app analysis", "roommates,", "couples,", "group"] canonical_url: "https://marlvel.ai/intel-report/finance/splitly" license: "CC-BY-NC 4.0" content_version: "v2" --- # Splitly App Audit ## TL;DR {#tldr} - **Category**: Finance · Free > **TL;DR:** Splitly is a finance app by Abdullah Sulaiman, available on iOS & Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Splitly is a finance app by Abdullah Sulaiman. ## Quick Facts | Fact | Value | | :--- | :--- | | **Category** | Finance | | **Developer** | Abdullah Sulaiman | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 0d | ## Metadata & Market Performance - **Publisher:** Abdullah Sulaiman - **Category:** Finance - **Target Audience:** Roommates, couples, and group travelers requiring shared expense tracking and personal budget management. - **Platforms:** iOS & Android - **Version Audited:** 1.0 - **Audit Date:** 2026-05-13 - **Signal Count:** 4 reviews analyzed - **Confidence:** Low (0.05/1.0) - **App Store ID (iOS):** 6745503837 - **Bundle ID:** com.Birg.splitly - **Google Play ID:** com.itrytoohard.owezy - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-05-13 ## Executive Snapshot **What it is:** Splitly is a personal finance and budget planning app for iOS and Android that divides monthly income into predefined spending and saving categories. **Why users hire it:** Users hire Splitly to impose discipline on their personal cash flow through manual categorization, serving the need for financial intent that automated bank-sync apps often obscure. ## App DNA (Features & Intent) - **[Differentiator] AI Receipt Scanning:** Captures itemized prices and text from physical receipts using camera input * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. - **[Differentiator] Debt Simplification:** Collapses complex group IOUs into minimal payment transactions - **[Standard] Income Splitting:** Divides monthly income into predefined categories like investing and saving ## Market Position {#market-position} Splitly maintains a presence on both iOS and Android stores with a release history dating back to May 2025, but it currently lacks the rating volume to establish a competitive chart position. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access to all features - **Analysis:** The app currently operates as a free utility with no observed IAP or ad-supported revenue streams. ## SWOT Analysis {#swot} **Core Strengths:** - AI receipt scanning provides a high-utility entry point for manual expense tracking. - Debt simplification logic reduces friction in multi-party expense reconciliation. **Critical Frictions:** - 0-rating baseline across both platforms indicates zero market traction. - Lack of automated bank synchronization creates high manual-entry friction for daily users. **Growth Levers:** - Integration of automated bill reminders could mirror KnoxCourtPay’s utility. - Expansion into investment yield projections could capture the audience currently using Paranı Çalıştır. **Market Threats:** - Institutional-backed apps like RBSI ClearSpend offer superior security and real-time monitoring. - Established competitors with 5-star ratings create a high barrier to trust for new entrants. ## Recent Changes (v2 → v3) {#recent-changes} Splitly has re-oriented its competitive benchmarking toward institutional finance apps while maintaining a stagnant feature set and zero-traction status. **Overall trend**: Stable **Compared at**: 2026-05-13 ### High-impact changes - **[Shifted] Competitive Benchmarking Pivot** (positioning) — Competitive landscape shifted from social-debt apps like Splitwise and YNAB to institutional finance tools like RBSI ClearSpend and mBillRunner. - **[Shifted] SWOT Analysis Re-alignment** (swot) — Weaknesses updated from specific technical bugs (identity verification, billing) to structural market issues (0-rating baseline, lack of bank sync). ### Medium-impact changes - **[Added] Expanded Feature Gaps** (features) — Added requirements for loan amortization and investment yield projections to match new institutional competitors. - **[Shifted] Executive Summary Tone** (positioning) — Positioning evolved from 'frictionless utility' to 'stoic-inspired budgeting', reflecting a pivot toward disciplined manual categorization. ## Rivals Landscape {#rivals} > Competitive positioning identified by AI analysis of app features, category, and market signals. ### Splitly vs mBillRunner — Head to Head - **[mBillRunner](https://marlvel.ai/intel-report/business/mbillrunner)** by Paul Ameden: mBillRunner competes by targeting the professional side of financial management, specifically focusing on the workflow of invoicing and job tracking that overlaps with Splitly’s income management goals. - **Key differences:** - Offers robust automated invoicing features that directly assist users in tracking professional income streams - Provides specialized job tracking and payment acknowledgement tools absent in Splitly’s consumer-focused budget planner - Utilizes a B2B-adjacent feature set that captures professional users managing income alongside personal expenses - **Where Splitly wins:** - ✅ Splitly offers a more intuitive, consumer-friendly interface for daily personal income categorization - ✅ Focuses on long-term financial freedom and stoic discipline rather than transactional business invoicing - **Where mBillRunner wins:** - ❌ mBillRunner provides tangible utility for income generation through automated invoicing and job tracking - ❌ Higher user trust evidenced by a 5-star rating and established professional feature set - **Verdict:** Splitly should pivot toward personal income automation to differentiate from mBillRunner's professional invoicing focus. ### Contenders (Strong Challengers) - **[KnoxCourtPay](https://marlvel.ai/intel-report/utilities/knoxcourtpay)** by Knox County: KnoxCourtPay competes for the user's financial attention by providing automated payment processing and tracking, creating a functional overlap in utility-based money management. - Integrates government-level payment processing which provides a high-trust environment for specific financial transactions - Features automated reminders that ensure timely payments, a core utility Splitly could adopt for bill management ### Peers (What They Do Better) - **[inNumerate](https://marlvel.ai/intel-report/finance/innumerate)** by Unit Radius LLC: inNumerate is a direct peer in the finance category, offering a suite of calculators that perform similar bill-splitting and savings functions. - Features a comprehensive loan amortization tool that provides deeper debt management utility than Splitly - Includes a final sale price calculator that assists users in making smarter retail purchasing decisions - **[Paranı Çalıştır](https://marlvel.ai/intel-report/utilities/paran-cal-st-r)** by Mehmet Bayram: This app targets the investment and yield-projection aspect of personal finance, overlapping with Splitly’s goal of managing income for future growth. - Provides advanced investment yield projections that help users visualize long-term financial growth potential - Includes tax withholding adjustments which offer a more granular approach to net income planning - **[RBSI ClearSpend](https://marlvel.ai/intel-report/finance/rbsi-clearspend)** by NatWest Group plc: RBSI ClearSpend competes directly in the finance category by providing real-time monitoring and spend control, mirroring Splitly's goal of smarter spending. - Leverages institutional backing to provide real-time card security and administrative management features - Offers enterprise-grade spend control that provides a more secure environment than Splitly’s manual categorization - **[GovAid: SNAP](https://marlvel.ai/intel-report/health-fitness/govaid-snap)** by Timothy DeGraff: This app occupies the same financial utility space by offering specialized screening and estimation tools for government-assisted income management. - Provides state-specific rule engines that offer high-precision financial guidance for specific user demographics - Includes a LIHEAP estimator that delivers specialized value beyond general budgeting and income splitting ### New Kids on the Block (What's Innovative) - **[FairShare - Split Expenses](https://marlvel.ai/intel-report/finance/fairshare-split-expenses)** by John Browner: FairShare enters the market with a focus on expense settlement, directly challenging Splitly’s core value proposition of managing shared financial responsibilities. - Implements a unique settlement gate system to simplify complex multi-party expense splitting and reconciliation ## What's New - **Latest (v1.0.5, 9 months ago):** Implemented various visual improvements. ## App Momentum (Maintenance) {#momentum} - Released initial version May 2025. - Ships minor updates to Android platform. > **Cadence:** 2 total versions · 0 majors in last 6 months · 275 days since last update · 94 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Splitly is an established finance app that is completely free. > **Bottom Line:** Splitly provides a unique manual budgeting framework, but the lack of automated banking integration limits its utility against institutional-backed rivals, so the team must prioritize bank-sync to move beyond a hobbyist tool. **Best for:** Roommates, couples, and group travelers requiring shared expense tracking and personal budget management. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] [HIGH IMPACT] Implement automated bank synchronization because manual entry is the primary friction point → increase daily active usage. — *Competitors like RBSI ClearSpend leverage institutional backing for real-time monitoring, making manual entry a significant disadvantage.* _(trade-off: deprioritize Deprioritize the stoic-quote feature set — user retention depends on data accuracy, not motivational content.)_ ### Feature Gaps vs Competitors - Automated bank synchronization (available in RBSI ClearSpend) - Loan amortization tools (available in inNumerate) - Investment yield projections (available in Paranı Çalıştır) ### Outlook: Stable The personal finance market is consolidating around automated, high-trust platforms that reduce user effort through bank-sync. Splitly remains exposed due to its manual-first design, so the team must pivot toward automated data ingestion to remain relevant against institutional competitors. - ⚪ The app remains in a pre-traction phase with no rating volume, suggesting the current feature set has not yet reached product-market fit. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Total Reviews | 0 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Splitly** (this app) | N/A/5 | N/A | Abdullah Sulaiman | | [inNumerate](https://marlvel.ai/intel-report/finance/innumerate) | 5.0/5 | N/A | Unit Radius LLC | | [mBillRunner](https://marlvel.ai/intel-report/business/mbillrunner) | 5.0/5 | N/A | Paul Ameden | | [GovAid: SNAP](https://marlvel.ai/intel-report/health-fitness/govaid-snap) | 5.0/5 | N/A | Timothy DeGraff | | [Paranı Çalıştır](https://marlvel.ai/intel-report/utilities/paran-cal-st-r) | 5.0/5 | N/A | Mehmet Bayram | | [RBSI ClearSpend](https://marlvel.ai/intel-report/finance/rbsi-clearspend) | 4.0/5 | N/A | NatWest Group plc | ## Company Profile - **Developer:** Abdullah Sulaiman ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/splitly/id6745503837?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.itrytoohard.owezy&hl=en&gl=us) - **Sources:** App store metadata. ## Related Intel Reports - [*inNumerate*](https://marlvel.ai/intel-report/finance/innumerate) (Unit Radius LLC) — 5.0/5 Rating | N/A Sentiment - [*mBillRunner*](https://marlvel.ai/intel-report/business/mbillrunner) (Paul Ameden) — 5.0/5 Rating | N/A Sentiment - [*GovAid: SNAP*](https://marlvel.ai/intel-report/health-fitness/govaid-snap) (Timothy DeGraff) — 5.0/5 Rating | N/A Sentiment - [*Paranı Çalıştır*](https://marlvel.ai/intel-report/utilities/paran-cal-st-r) (Mehmet Bayram) — 5.0/5 Rating | N/A Sentiment - [*RBSI ClearSpend*](https://marlvel.ai/intel-report/finance/rbsi-clearspend) (NatWest Group plc) — 4.0/5 Rating | N/A Sentiment - [*KnoxCourtPay*](https://marlvel.ai/intel-report/utilities/knoxcourtpay) (Knox County) — N/A Rating | N/A Sentiment - [*FairShare - Split Expenses*](https://marlvel.ai/intel-report/finance/fairshare-split-expenses) (John Browner) — N/A Rating | N/A Sentiment - [*Polymarket*](https://marlvel.ai/intel-report/finance/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment - [*Fidelity Investments*](https://marlvel.ai/intel-report/finance/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment - [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | Mixed Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 4 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 0 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/finance/splitly) Data licensed for AI Agent attribution under CC-BY-NC 4.0.