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 for trips far from home.
- 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 phone.
Splid Group expense data is shared when sync is enabled; offline groups can stay local to the device.
Dibs Amount first with a calculator keypad, then person, optional note, date, and reminder. Group bills split evenly or by custom amounts. Premium adds recurring debts and 18 currencies.
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?
Yes. Enter the total, pick who paid, and split it evenly or with custom amounts. Dibs then creates one debt per person. There are no shared group ledgers or syncing between phones: Dibs stays focused on personal IOUs and per-person balances.
Does Dibs handle recurring debts and other currencies?
Yes, with Dibs Premium, a one-time purchase. A recurring debt adds itself every week, month, or year, such as a rent share or a shared subscription. A debt can also be in any of 18 currencies, and Dibs keeps the exchange rate from the day you added it. Premium also lets you back up your debts to a file and restore them later.
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.
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