Div/Sum

Div/Sum is a bill-splitting app designed to make shared expenses faster, clearer, and easier to settle. It is built for situations where several people share one receipt, bill, booking, order, or group expense and need a simple way to understand who owes what. The main idea behind Div/Sum is simple: instead of manually calculating everyone’s share, sending screenshots, writing amounts in group chats, and chasing people for payments, one person can create a shared bill in Div/Sum and distribute it to the rest of the group. Each participant can then see what they need to pay and access the relevant payment information from one shared page. Div/Sum is especially useful for restaurants, trips, group activities, shared accommodation, events, parties, office expenses, or any situation where multiple people need to divide a cost. A key difference is that not everyone needs to go through a complicated setup process. A user can share a public receipt page with the people involved in the expense. This makes Div/Sum practical even when some members of the group do not actively use the app. They can receive access to the shared bill and payment links without needing the entire group to adopt a new workflow first. For connected Div/Sum users, the experience can become even more convenient. Participants can receive information about shared expenses directly and can also receive payment-related notifications, helping the group keep track of what has already been settled and what is still outstanding. The app is intended to remove several common problems around splitting expenses. Groups often rely on calculators, banking apps, notes, spreadsheets, screenshots, Revolut requests, or long conversations such as “How much do I owe you?” and “Who still hasn’t paid?”. Div/Sum brings that process into one structured flow. The typical Div/Sum experience can be understood in a few steps:

1. A shared expense or receipt is created.
2. The bill is divided between the relevant people.
3. A public shared receipt page can be sent to participants.
4. Each person can see their part of the expense.
5. Payment links can be provided so users have a direct way to settle what they owe.
6. Connected users can receive payment notifications and keep track of the status of the shared expense.

Div/Sum is therefore not just a calculator. Its purpose is to manage the whole interaction around a shared bill—from dividing the amount to communicating it to the group and helping participants complete the payment. Who is Div/Sum for? Div/Sum is primarily aimed at people who regularly share expenses with friends, partners, colleagues, roommates, or travel groups. It is particularly relevant for groups of friends going to restaurants or bars. Instead of spending time at the end of the evening calculating individual amounts, the expense can be organized digitally and shared with everyone. It is also useful for people travelling together. Group trips normally involve dozens of small shared expenses: accommodation, taxis, fuel, restaurants, tickets, groceries, activities, and bookings. Div/Sum can simplify the process of distributing these costs between participants. Couples and roommates can use the app for shared household expenses such as groceries, subscriptions, utilities, deliveries, or purchases for the home. Div/Sum can also work well for colleagues and small teams who occasionally pay for lunches, gifts, events, transportation, or other shared expenses where reimbursement needs to remain simple. Another important audience is socially active younger users who already use mobile banking and payment apps. For them, the difficult part is often not sending money—the difficult part is determining the correct amount, sharing the information with everyone, and knowing who has already paid. Div/Sum is designed to solve that coordination problem. The app is especially suitable for groups where not every participant wants to install another application.