Moe — Split the bill by texting
Previously known as Solus
Launching soon, US & Canada
Split the bill
by texting.
Tell Moe who paid and who owes. He does the math, keeps the tab, and sends the awkward text so you never have to.
Not live yet. Join and we text you Moe's number the day it opens.
Moe never holds your money, does not connect to your bank, and your friends do not need the app. Security
Using Moe is pretty simple.
01
Save Moe’s number and text it.
We text you the number the day it opens. Save it like a contact. Then text Moe the way you’d text a friend.
02
Say who paid and who owes.
“Dinner was $184 for 4, I paid.” Send a receipt photo if you have one. Moe reads it.
03
Moe splits it and sends the reminder.
Cent-exact shares, the running tab, and the awkward nudge, so you never have to send it.
Keeps trips on budget
Pays your friends back
Lives in your groupchats
Keeps your money secure
Splits the bill
Tracks the shared bills
Sends the awkward text
Keeps trips on budget
Pays your friends back
Lives in your groupchats
Keeps your money secure
Splits the bill
Tracks the shared bills
Sends the awkward text
There's an app too, if you want it
Splitting is free, with unlimited spaces and expenses and no caps on what you can track.
All you owe, one numberSettle up in two tapsRenewals flagged early
All you owe, one number
Your month, day by dayTotals converted to CAD
Every group gets its own place
A space per trip or homeTrips archive when they end
A space per trip or home
Everyone sees the same mathInvites are just a link
Or just ask Moe
Live texts from people using Moe.
These snippets were sent in by people using Moe.
dinner $216. I had the steak, Priya and Omar split the rest
steak was $64. you cover that, Priya and Omar split $152
yes
logged. requested both of them
what do the roommates still owe
Jess owes $85 for hydro. Mateo is clear. wifi is due Friday
nudge jess
sent. I kept it light
how much is whistler so far
CA$1,840. lodge is the big one. Nia still has not joined
add her and split the lodge 6 ways
done. lodge is CA$310 each. invite went to Nia
ikea was $340. lamp is mine, rest with Harper and Cole
lamp $48 on you. $146 each for Harper and Cole
perfect
Devon still owes $18 from the concert. it has been 11 days
yeah get him pls
asked. he said he venmoed you just now
what do Luca and I owe each other this month
you're even on groceries. he still owes $62 for the airbnb deposit
he paid cash, mark it
marked. you two are square
pints were £84 for 4, I paid. split it
£21 each. requested Sabine, Ravi, and Tessa
tessa didnt drink, take her off
removed. £28 each for the other two
what did we spend this week
$412 across brunch, uber, and groceries
you're owed $94. Aisha still has the sushi from tuesday
put the flowers on the wedding space not the house
moved $90 flowers off House and onto Maya & Jonah wedding
thx
dinner in lisbon was €156, 3 of us. log it in CAD
€52 each, about CA$77. added to Portugal 2026
request yuki and camille
sent both
shared Netflix renews tomorrow. 4 of you, $6.99 each
andre is off it, drop him
dropped. $9.32 each for the other 3 next month
cake + balloons were $76. I covered it for Leila’s party
split with who?
samir, fiona, me
$25.33 each. requested Samir and Fiona
who has not paid for the cabin yet
Beckett and Noor. everyone else is in
nudge both, due sunday
sent. I mentioned Sunday
groceries $190. I pay 60, nia 40
you $114, Nia $76. I'll request her
yes
requested 👍
uber from yvr was $64, 3 of us plus bags
even split is $21.33. add it to Vancouver weekend?
yep
added and requested Jess and Omar
how much is left on the baby shower
$220 venue is paid. you are still owed $40 from Priya for the cake
she e-transferred, close it
closed. shower is fully settled
moe the design team lunch was $128, 5 people, I paid
$25.60 each. I can request the slack thread names
do it
requested all 4
wait I already logged the parking, delete the second one
removed the duplicate $18 parking. tab is unchanged besides that
legend
cap mexico at $900 each
set. you're at $610 so far, Cole is at $880
tell cole he is close
pinged him. no shame, just the number
uhaul was $240 plus $40 gas. me, harper, mateo
$93.33 each. requested Harper and Mateo
Harper already marked paid
rent is $2,400. I paid the whole thing this month
3 roommates. $800 each from Jess, Mateo, and the house tab?
jess and mateo yes, not a house thing
got it. requested $800 from each
wrap tonight
wings $63, uber $24, drinks $90. $59 each for 3
Devon is the only one still open. want a nudge?
in the morning
I'll ping him at 10 👍
cleaning fee $120 on the airbnb, 4 of us
$30 each. requested Gia, Rohan, and Elise
nice
walker was $60 this week, I paid. split with noor
$30 on Noor. requested her
this is week 3 of that split. want it recurring?
yes
coachella was $480 for 2, I covered both
so Camille owes you $240?
yup remind her
sent
ramen was ¥5400 for 3. I paid cash. log in USD
about $12 each. added to Tokyo
request kenji and aya
done
who is on the spotify family
you, Jess, Mateo, Harper. $3.99 each, renews the 12th
harper is off, add ravi
swapped. requested Ravi for this cycle
brunch $96 for 3. Priya no-showed, dont charge her
split 2 ways then. $48 you, $48 Omar
yes
requested Omar
gas $84 plus $12 snacks, 4 in the car, I paid
$24 each. add to Banff drive?
yeah
logged and requested the other 3
Jonah marked paid but you never got the $40
yeah he sent it to the wrong person. reopen it
reopened. I asked him to resend to you
add leila to the cabin, she came friday
added. she owes her share from Friday on. $110 so far
send her the invite
sent 📩
what's my net with jess
she owes you $62. you owe her $15 for uber. net $47 to you
settle that
requested $47
dinner $160 plus 20% tip, 4 people, I paid
$192 total. $48 each
request them
sent to all 3
oilers tickets $220, split with beckett
$110 on Beckett. want the nudge now or later?
now
asked him
this round is on me, dont split the $54 drinks
left it on you. the rest of tonight still splits 3 ways
perfect
are we square for the weekend
you're clear. Tessa still owes $19 for parking
nudge her then we are done
sent. once she pays the weekend is closed
dinner $216. I had the steak, Priya and Omar split the rest
steak was $64. you cover that, Priya and Omar split $152
yes
logged. requested both of them
what do the roommates still owe
Jess owes $85 for hydro. Mateo is clear. wifi is due Friday
nudge jess
sent. I kept it light
how much is whistler so far
CA$1,840. lodge is the big one. Nia still has not joined
add her and split the lodge 6 ways
done. lodge is CA$310 each. invite went to Nia
ikea was $340. lamp is mine, rest with Harper and Cole
lamp $48 on you. $146 each for Harper and Cole
perfect
Devon still owes $18 from the concert. it has been 11 days
yeah get him pls
asked. he said he venmoed you just now
what do Luca and I owe each other this month
you're even on groceries. he still owes $62 for the airbnb deposit
he paid cash, mark it
marked. you two are square
pints were £84 for 4, I paid. split it
£21 each. requested Sabine, Ravi, and Tessa
tessa didnt drink, take her off
removed. £28 each for the other two
what did we spend this week
$412 across brunch, uber, and groceries
you're owed $94. Aisha still has the sushi from tuesday
put the flowers on the wedding space not the house
moved $90 flowers off House and onto Maya & Jonah wedding
thx
dinner in lisbon was €156, 3 of us. log it in CAD
€52 each, about CA$77. added to Portugal 2026
request yuki and camille
sent both
shared Netflix renews tomorrow. 4 of you, $6.99 each
andre is off it, drop him
dropped. $9.32 each for the other 3 next month
cake + balloons were $76. I covered it for Leila’s party
split with who?
samir, fiona, me
$25.33 each. requested Samir and Fiona
who has not paid for the cabin yet
Beckett and Noor. everyone else is in
nudge both, due sunday
sent. I mentioned Sunday
groceries $190. I pay 60, nia 40
you $114, Nia $76. I'll request her
yes
requested 👍
uber from yvr was $64, 3 of us plus bags
even split is $21.33. add it to Vancouver weekend?
yep
added and requested Jess and Omar
how much is left on the baby shower
$220 venue is paid. you are still owed $40 from Priya for the cake
she e-transferred, close it
closed. shower is fully settled
moe the design team lunch was $128, 5 people, I paid
$25.60 each. I can request the slack thread names
do it
requested all 4
wait I already logged the parking, delete the second one
removed the duplicate $18 parking. tab is unchanged besides that
legend
cap mexico at $900 each
set. you're at $610 so far, Cole is at $880
tell cole he is close
pinged him. no shame, just the number
uhaul was $240 plus $40 gas. me, harper, mateo
$93.33 each. requested Harper and Mateo
Harper already marked paid
rent is $2,400. I paid the whole thing this month
3 roommates. $800 each from Jess, Mateo, and the house tab?
jess and mateo yes, not a house thing
got it. requested $800 from each
wrap tonight
wings $63, uber $24, drinks $90. $59 each for 3
Devon is the only one still open. want a nudge?
in the morning
I'll ping him at 10 👍
cleaning fee $120 on the airbnb, 4 of us
$30 each. requested Gia, Rohan, and Elise
nice
walker was $60 this week, I paid. split with noor
$30 on Noor. requested her
this is week 3 of that split. want it recurring?
yes
coachella was $480 for 2, I covered both
so Camille owes you $240?
yup remind her
sent
ramen was ¥5400 for 3. I paid cash. log in USD
about $12 each. added to Tokyo
request kenji and aya
done
who is on the spotify family
you, Jess, Mateo, Harper. $3.99 each, renews the 12th
harper is off, add ravi
swapped. requested Ravi for this cycle
brunch $96 for 3. Priya no-showed, dont charge her
split 2 ways then. $48 you, $48 Omar
yes
requested Omar
gas $84 plus $12 snacks, 4 in the car, I paid
$24 each. add to Banff drive?
yeah
logged and requested the other 3
Jonah marked paid but you never got the $40
yeah he sent it to the wrong person. reopen it
reopened. I asked him to resend to you
add leila to the cabin, she came friday
added. she owes her share from Friday on. $110 so far
send her the invite
sent 📩
what's my net with jess
she owes you $62. you owe her $15 for uber. net $47 to you
settle that
requested $47
dinner $160 plus 20% tip, 4 people, I paid
$192 total. $48 each
request them
sent to all 3
oilers tickets $220, split with beckett
$110 on Beckett. want the nudge now or later?
now
asked him
this round is on me, dont split the $54 drinks
left it on you. the rest of tonight still splits 3 ways
perfect
are we square for the weekend
you're clear. Tessa still owes $19 for parking
nudge her then we are done
sent. once she pays the weekend is closed
Frequently asked questions
What is Moe?
Moe is an AI assistant for shared money. Text him in iMessage to split bills, scan receipts, track trips and spaces, and send the awkward reminder so you do not have to.
How does Moe work?
Add Moe to a chat, or text his number yourself. Tell him what happened: who paid, who was there, send a receipt photo. He does the math, keeps the ledger, and can nudge the right people.
Do my friends need Moe?
No. They can get a text from Moe and settle however they already pay. If they join, they see the same numbers in the same space.
Can I add Moe to a group chat?
Yes. That is the point. Moe lives where the group already talks, so you do not leave the conversation to open another app.
What can Moe track?
Shared expenses, receipt splits, trip and roommate spaces, who is settled, who still owes, and recurring costs like subscriptions when you tell Moe about them.
Does Moe connect to my bank?
Not right now. Moe does not hold, move, or touch your money. You pay however you already pay (Venmo, Interac, cash) and Moe keeps the record.
Is my financial information secure?
Your data is encrypted in transit and at rest, with row-level access so only you and the people in a space can see it. We do not sell your information. Receipt images stay in access-controlled storage.
Can Moe scan receipts?
Yes. Send a photo in the chat. Moe reads the items and total. Extracted amounts can contain errors, so glance at them before you save.
What kinds of groups can I create?
Trips, apartments, couples, dinner groups, weekends, groceries, rent. Any shared space where people spend together and someone has to keep score.
How much does Moe cost?
Splitting is free, with unlimited spaces and expenses and no caps on what you can track. Moe never holds your money.