A simple, friendly group expense tracker that helps people stay on top of who paid, who’s yet to pay, and how to gently remind those who forgot, even if they’re not on the app.

UX Research, UX Design, Visual Design, Interaction Design, Interactive Prototype

Figma, Figjam, Figma Slides, Chatgpt prompt

Cynthia Osi

It’s built for real-life moments where money is shared but conversations around it feel awkward. From weekend trips to shared dinners or monthly rent, SplitPay keeps things clear, fair, and just a little more human.

Create a mobile app that helps users track and split expenses payment activities.

Create new expense and add members.

Remind members to pay.

Keep track of who still owes what.

Show how payment confirmations actually work.

Context: Where it all started

SplitPay began with a simple question:

“Why is it still hard to track who paid what in a group, especially when everyone’s not on the same app?”

I noticed how many friend groups and roommates still rely on WhatsApp chats, bank screenshots, and “I’ll remind you later” messages to sort out money matters. It often leads to confusion, forgotten debts, or worse, awkward tension between friends. I wanted to design a solution that helped people track shared expenses with clarity and maybe even kindness.

It wasn’t just that people forgot to pay or got confused about amounts. The real issue was communication friction. People hesitated to remind others. Those not on the app couldn’t be reached. And the experience often felt more like a ledger than something built for actual humans.

People not on the app were left out of the loop.

Tracking who paid and who didn’t was clunky.

Reminder systems often felt cold or passive-aggressive.

It lacked a friendly, humane interface, something inviting enough that people actually wanted to use it.

I started by mapping out the core user flow, from creating an expense to tracking payments and reminding friends. I paid close attention to edge cases; like what happens when someone isn’t on the app yet, or how reminders are framed.

Sketching flows that made sense even for non-techie users.

Prioritizing clarity over complexity, every screen had to answer, “What should I do next?”

Adding microcopy and gentle nudges that made reminders feel like friendly prompts, not cold alerts.

Experimenting with ways to invite non-users and still keep the record accurate.

Thinking about status transparency: showing who’s paid, pending, or opted out without judgment.

An interview with 5 friends to validate assumptions.

The final solution helped groups:

Easily track and split payments, even with members not on the app.

Send reminders that didn’t feel like a bossy nudge.

See the full history of group payments in one clean view.

Invite others seamlessly, while keeping the ledger accurate.

The reminder feature felt more human thanks to tone and timing tweaks.

It considered the “real-world messiness” of how people deal with money.

Feedback from testers included lines like “This feels like something I’d actually use with my friends.”

Designing SplitPay reminded me that the UX of money isn’t just about math—it’s emotional. I focused less on features, and more on how people feel when they owe or are owed.

If I had more time, I’d:

Explore deeper integrations (e.g., auto reminders via WhatsApp/SMS).

Add a feature for recurring bills or “split plans” for roommates.