Dibs vs Splid
A simple Splid alternative for one-to-one debts
Splid is useful for vacations, group balances, currencies, and exportable summaries. Dibs is for the personal IOUs you want to log and remember without setup.
The short version
Use Dibs when the debt is personal, quick, and local.
Use Dibs for quick private debts. Use Splid when vacation or group expenses need offline groups, sync, currencies, and reports.
Choose Dibs if...
- You mostly track debts between two people.
- You want debt notes and balances stored locally.
- You need quick repeat logging, not a full shared-expense system.
- You want reminders for settling up without a social finance workflow.
Choose Splid if...
- You are splitting costs on vacation or in a group.
- You need offline groups or synced group collaboration.
- You need 150+ currencies and automatic conversion.
- You want PDF or Excel summaries after the trip.
Feature-by-feature
Dibs stays narrow on purpose.
Dibs One-to-one IOUs, casual loans, dinners, rides, tickets, and quick personal debt tracking.
Splid Vacation and group bill splitting, especially when currencies or trip summaries matter.
Dibs No account required. Open the app and start logging debts.
Splid Create an offline group, or enable sync so others can enter expenses too.
Dibs Local-first. Your debts, notes, people, and reminders stay on your iPhone.
Splid Group expense data is shared when sync is enabled; offline groups can stay local to the device.
Dibs Fast entry with amount, person, optional note, and reminder.
Splid Enter expenses into a group, choose currencies, and settle the shared balance.
Dibs Running totals and per-person balances answer who owes who without extra structure.
Splid Shows who owes how much to whom and can export summaries as PDF or Excel files.
Built for the repeat moment
Add it now. Settle it later. Know the balance anytime.
Dibs keeps each debt close to the thing you actually need later: the person, amount, note, date, settlement status, and reminder. No group setup is needed for a simple IOU.
Common questions
Before you choose between Dibs and Splid
Is Dibs a Splid replacement?
Dibs can replace Splid when your main workflow is one-to-one debt tracking. Splid is the better fit when you need vacation or group expense tracking with exports.
Does Dibs require an account?
No. Dibs is local-first and does not require account creation or cloud sync to log personal IOUs.
Can Dibs split group expenses?
Group debts are on the Dibs roadmap. Today, Dibs is focused on fast personal IOUs and one-to-one balances.
If you mostly track personal IOUs, try Dibs.
Add debts in seconds, keep everything local on your phone, and stop relying on memory or awkward follow-up texts to settle up.
Download on the App Store