Dibs vs Splittr
A narrower Splittr alternative for personal IOUs
Splittr helps groups split trips, household costs, and shared events. Dibs keeps the everyday one-to-one debt flow faster and more private.
The short version
Use Dibs when the debt is personal, quick, and local.
Use Dibs for personal debt notes and reminders. Use Splittr when group trip costs need offline use, sync, currencies, and exports.
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 Splittr if...
- You are tracking a vacation, weekend trip, or household group cost.
- You want offline use plus optional sync with friends.
- You want no-registration group expense splitting.
- You need all currencies plus PDF or CSV exports.
Feature-by-feature
Dibs stays narrow on purpose.
Dibs One-to-one IOUs, casual loans, dinners, rides, tickets, and quick personal debt tracking.
Splittr Vacations, weekend trips, household costs, and other group expenses.
Dibs No account required. Open the app and start logging debts.
Splittr No registration needed, with offline use and optional syncing with friends.
Dibs Local-first. Your debts, notes, people, and reminders stay on your iPhone.
Splittr Group data can be synced with friends when collaboration is needed.
Dibs Fast entry with amount, person, optional note, and reminder.
Splittr Add expenses as the group spends, then Splittr calculates who owes whom.
Dibs Running totals and per-person balances answer who owes who without extra structure.
Splittr Balances show who is next to pay and who owes whom, with PDF and CSV export.
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 Splittr
Is Dibs a Splittr replacement?
Dibs can replace Splittr when your main workflow is one-to-one debt tracking. Splittr is the better fit when you need trip or household expense splitting.
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