"I'll pay you back." Then nobody writes it down. Inside: • The 30-second picker: which app fits a dinner, a trip, a flat • Splitwise, Splid, Settle Up, Splittr and Tab side by side: price, sign-up, offline, currencies • How to set up the group so the app does the remembering Every fact comes from each app's own listing, checked 29 Oct 2026. 8 pages, PDF attached.