Eider is the free, easy way to split shared expenses whether on a trip or at home, then settle up simply.
No ads. No paywalls on the essentials. No limit on the people or expenses you track. Just a well-made ledger that does the math so nobody has to keep a mental tally.
HOW IT WORKS - Start a nest for your trip, your household, or whatever you share. - Add an expense in seconds. Eider remembers your usual split. - See a running balance of who owes whom, simplified down to the fewest payments. - Settle up through the app you already use: Venmo, Cash App, PayPal, Zelle, or Apple Cash. Eider records it, and it never touches your money.
BUILT FOR REAL LIFE - Made for trips: throw every flight, cab, cabin, and dinner into one place and walk away square. - Just as good at home: rent, groceries, utilities, and the everyday back-and-forth. - Split any way: evenly, by percentage, or exact amounts. - Set a standing split once and forget it. - Recurring expenses for rent, utilities, subscriptions, and anything else.
FREE, AND NOT A TRIAL Everything above is free. No ads, and no cap on the people or the expenses you track.
EIDER PLUS - $8.99 a month, or $89.99 a year - Scan a receipt and let Eider read the merchant, date, and total off it. - Split one receipt line by line instead of evenly. - A searchable library of every receipt your nest has captured. - Spending patterns, period reports, and a monthly digest of where the money went. - Connect a bank account and bring transactions in automatically.
Plus is a personal membership rather than a per-nest upgrade. An annual membership also shares receipt scanning and line-item splitting with everyone in the nests you create.
A startup from the United States that is founded by Robert Henderson.
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Unlimited expenses
No daily cap on how much you add.
Unlimited members
Split with as many people as you need, at no cost.
Unlimited nests
Run a trip, a household, and a one-off side by side.
Full history
Every expense stays available, with no archive limit.
Ad-free
Nothing is ever sold against your spending.
Nests
A shared space per trip, household, or group.
Standing split
Set your usual split once and every new expense uses it.
Even, percentage, or exact splits
Three ways to divide any expense.
Per-expense override
Change one expense's split without touching the rule.
Running balance
An always-current view of who owes whom.
Simplified settlement
Nets everything down to the fewest payments.
Settle up anywhere
Records payment through Venmo, Cash App, PayPal, Zelle, or Apple Cash. Eider never touches your money.
Settlement periods
Group expenses into periods you close when everyone squares up.
Settled-period lock
A closed period becomes immutable, so history cannot be quietly rewritten.
Recurring Expenses
Rent, utilities, and subscriptions, with variable amounts and an end date.
Quick Add
The title is optional and derives from the merchant or category.
Merchant memory
A merchant recalls the account it was last paid from.
Category prediction
Categories are inferred from the merchant as you type.
Placeholder members
Add someone who is not on Eider yet and split with them anyway.
Solo nests
Works identically with one member, always using a placeholder, with no pressure to invite anyone.
Real-Time Sync
Changes appear on everyone's device as they happen.
Multi-Currency
A base currency per nest, converted at each expense's own date.
Expense notes
Add context to any expense.
Edit and delete with undo
Soft delete with an undo toast, so nothing is lost by mistake.
Activity history
A per-expense record of what was created, edited, and settled.
Nest switcher
Move between nests without losing your place.
Invitations
Invite by email, or just add someone by name.
Push notifications
Told when something in your nest changes. With grouped opt-in/out.
Data Export
Request a copy of your data.
Sign in with Apple and Google
Plus email sign-in.
Dark Mode
Follows your system theme.
iOS, Android, and web
One account across all three.
Receipt Scanning
[Plus] Reads the merchant, date, and total straight off a photo.
Line-item split
[Plus] Split a single receipt item by item instead of evenly.
Receipt library
[Plus] A searchable archive of every receipt the nest has captured.
Spending patterns
[Plus] Where the money actually goes, over time.
Period reports
[Plus] A summary for each settlement period.
Monthly digest
[Plus] An emailed recap of the month.
Bank Connection
[Plus] Bring transactions in automatically and securely with Plaid, then add them to any nest to split.
Nest-wide annual membership
[Plus] An annual subscription shares receipt scanning and line-item splitting with everyone in all the nests you create.
Early Access to Features
[Plus] New features before they roll out broadly.
Eider records, it doesn't enforce. There is deliberately no way to reject, dispute, or counter what someone else added, because an app arbitrating between housemates was never going to settle anything a conversation couldn't. Most splitters are built around approval flows that quietly frame the people you live with as counterparties. The second thing is that the free tier is genuinely uncapped: unlimited expenses, members, nests, and history, with no ads. Free is the product, not a trial. And Eider runs natively on iOS, Android, and the web from one account, which is rarer in this category than it sounds.
Three concrete reasons. Free has no daily expense limit and no ads, so you never hit a wall mid-trip and get asked to pay to finish adding dinner. Paid is a person-held pass rather than a per-person tax: one annual subscription covers everyone in the nests you create, so a six-person trip is one subscription instead of six, all year rather than for one 30-day window. And Eider is on iOS, Android, and web, so nobody in the group is left on a worse version because of the phone they own. Everything else is a well-made ledger that does the math and stays out of the way with beautiful design and user experience.
People sharing money with people they actually know. Three groups in practice: roommates and households splitting rent, groceries, and utilities month after month; couples keeping a shared ledger without merging finances, and friends on a trip who want to walk away square rather than argue about it or venmo after every single transaction. Households are the ones who stay, trips are how most people find it. It works identically for one person keeping their own record, with no pressure to invite anybody.
An eider is a sea duck, and eiderdown is the softest natural material on earth. The birds line their nests with it. That is the whole idea: sharing money with people you love should feel soft rather than stressful, so the app's word for a shared space is a nest. It was built by one person, Robert Henderson, under Loftery LLC in Colorado, after too many trips that ended in a group chat, a notes app, and somebody quietly eating the difference.
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