Expense Split
Available
Toolora · Expense Split & SpendFlow
Everyday tools, made simple.
Toolora brings useful tools together in one calm, straightforward app. Expense Split handles everything from a simple equal split to itemized, multi-currency group expenses, and SpendFlow keeps spending and cash-out clear—privately on your device.
SpendFlow
Available
Expense Split
Clear, private and portable
Built for quick shared costs and detailed real-world receipts, from first entry to final settlement.
Flexible expense splitting
Split equally, assign exact amounts or itemize a receipt across selected members.
Reusable people and lists
Save people and member lists, find recent choices quickly and add a group in fewer steps.
Real-world payment details
Handle tax, service charges, receipt adjustments, top-ups and Discount or Bonus Balance details.
Multiple currencies
Record expenses in their own currencies, keep group FX rates and settle in one chosen currency.
Balances and settlement
See balances by expense currency, get deterministic settlement suggestions and track final settlement.
Editable group transfer
Export a Toolora group file so someone else can import and edit their own independent copy.
Insights and reports
Review spending and member shares, then create detailed PDF or Excel reports for reconciliation.
Private by design
Your data stays on your device unless you explicitly export and share a file.
From receipt to settlement
Simple when you want it. Detailed when it matters.
Add notes and receipt references, choose Equal, Exact or Itemized, include payment adjustments when needed, and keep balances clear in every expense currency. When it is time to settle, Toolora can apply your group's FX rates and record that final settlement is complete.
Toolora group files
Share a copy. Keep control.
A .toolora file carries an editable copy of a group. It does not create live synchronization or change the sender's group.
- Export
Create a Toolora group file on your device.
- Share
Send it using the iOS share sheet or save it to Files.
- Import a new copy
The recipient opens it in Toolora as a separate editable group.
Excel workbooks are for reporting and reconciliation only; they cannot be imported back into Toolora.
SpendFlow
Multiple currencies, kept straight
Every Space in SpendFlow has one base currency for simple day-to-day totals — record an expense in any currency and your Space's overall "Total Expenses" figure stays in that one currency, converted automatically.
Cash-out works differently. It tracks spending and cash-out the same way people actually pay: in whatever currency the money moved, without quietly blending it into one number.
| Scenario | What you record | How it shows up in Cash Out |
|---|---|---|
| Local expense, local account | An SGD expense paid from an SGD payment method | Shown natively as SGD — no conversion |
| Spending abroad, matching account | A EUR expense paid from a EUR-denominated account | Shown natively as EUR, kept separate from your SGD totals |
| Spending abroad, no matching account | A USD expense with no linked USD payment method | Converted and shown in your base currency |
| More than one currency in a month | Some spending in SGD, some in EUR | "Money Paid Out" splits into one line per currency instead of blending them together |
| Installment plan payments | A card installment plan, in any currency | Always shown in your base currency |
The two totals won't always match — SpendFlow explains exactly why instead of leaving you to guess.
A breakdown, shown in the app and included in the PDF export, groups the gap by reason: bills that are due but not yet paid, prepaid expenses spread over several months while paid in one lump sum, installment purchases recorded upfront but paid off over time, stored-value top-ups whose cash already moved, and purchases that settle later through a credit-card repayment.
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Find setup guidance, export help and answers to common questions.