Squads
Create named groups of contacts and tag expense splits to that group. Balances accumulate per group over time on your device — no live sync required.
Info
How it works
A Squad is a named group of contacts — roommates, a friend group, a regular trip crew — that you reuse whenever you split a bill with the same people. When you log a split and tag it to a Squad, Spend Sense updates running balances for that group so you always know who owes what.
Balances stay encrypted on your device. There is no shared cloud ledger between participants, no permission levels, and no requirement for other people to install the app. You can share a plain-text breakdown via any messaging app whenever you want to settle up.
Your personal budget
Squad: Apt 12B
Setting up a Squad
Create a Squad
Add contacts
Tag splits to the Squad
Review balances
Share a breakdown
Feature reference
| Feature | Details |
|---|---|
| Account required | No — Squads work without sign-in |
| Recipients need the app | No — share breakdowns via any messaging app |
| Live sync | None — balances update on your device when you log a split |
| iCloud required | No — an optional whole-database iCloud backup is planned, not a Squad-specific sync feature |
| Multiple Squads | Create as many named groups as you need |
| Deleting a Squad | Removes the group label; underlying splits remain in your transaction history |
Best Practice
Privacy
Squad contacts, split assignments, and running balances are stored encrypted on your device. We never sell this data to advertisers, data brokers, or third parties. There is no live multi-user sync between participants.
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