Split any transaction. Track every IOU. No spreadsheets.

You paid for the dinner. Three of you went halves on the holiday cottage. You cover the joint groceries every Tuesday. MyCashDash lets you split any transaction across any number of people or categories, then keeps a running tally of who owes what on each party's ledger.

Two ways to split.

Split by exact amount

You paid £62.40 for the meal. Sarah's half is £31.20. Dave's half is £31.20. Type the figures in, and MyCashDash checks they sum to the total before you save.

Split by percentage

You and your partner share groceries 60/40. Set the split template once, and every joint grocery transaction divides automatically. If a percentage produces fractional pence, MyCashDash shows a rounding dialog and suggests adjusted amounts that sum exactly to the total.

Mark a portion as Loan. The IOU tracks itself.

When you set a split portion to the Loan type, that amount lands on the other person's party ledger as money owed. No separate IOU tracker needed.

Every party page shows their loan balance alongside regular spending. Lent your brother £200 for car repairs and £80 for the MOT? You'll see £280 outstanding on his page, on top of all your regular spending with him. When he pays you back, log it as a Loan portion in the other direction and the balance settles.

Save the splits you do all the time.

Most splits are not one-offs. They're patterns. You and your partner divide every grocery shop 50/50. The same four friends share the holiday cottage every year. Save these as split templates and apply them with a single tap. Templates can include exact amounts, percentages, party assignments, type (Loan or Payment), and category.

How people actually use this.

Dinner four ways, three of them on credit

You put a £124 dinner on your card. Split it four ways: one portion for you (Payment), three portions for your friends (Loan). Each friend's ledger now shows £31 owed. They pay you back over the next week and you log each repayment.

Joint groceries with a partner

You and your partner share a current account 60/40. Save a 60/40 template that splits joint grocery transactions automatically. The shared account shows the full transaction; your individual view shows your 60% share. Your partner's view shows their 40%.

Group trip with a running tab

Six of you go on a long weekend. Different people pay for different things. Create a project for the trip, log each expense as a split with Loan portions for the people who didn't pay, and at the end of the weekend you have a clean record of who owes whom.

Splits work inside Spaces too.

If you and your partner share a joint account through a Space, every owner sees their own share of split transactions. Set up split templates once for household groceries, council tax, energy bills, and anything else you split the same way every time. Each of you gets a clean view of your portion in your own Space. See how Sharing works →

Common questions about Splitting

How does the split feature handle rounding?

When splitting by percentage, if the calculated amounts produce fractional pence that don't sum exactly to the original transaction total, the app shows a rounding dialog with suggested adjusted amounts that sum correctly. You can accept or adjust these before saving.

How does loan tracking work?

When you set the type of a transaction (or a portion of a split) to “Loan”, the amount is recorded on that party's ledger as money owed. Open any party's page to see their current loan balance alongside regular spending.

If I split a transaction with a friend, do they see it too?

Splits and loan balances are recorded in your account, on the other person's party ledger. The other person sees the IOU only if they've been invited as a Member of your Space, or as an owner on a shared account. Otherwise the tracking is private to you, like a personal ledger.

Start making sense of your money.

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