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Your ledger is the URL.
URLedger is a free expense splitter for groups — trips, dinners, roommates — with no accounts, no app, and no server. Add who paid for what, and it computes a short settlement plan — at most n−1 transfers for n people. The entire ledger is compressed into the link itself: share the URL in your group chat and anyone can open it instantly.
No sign-up, no daily entry limits, no ads, and nobody has to install anything. A Splitwise alternative that works from a single link — the URL is the database.
Only in the link and in your own browser. Nothing is ever sent to a server, because there is no server. Anyone you give the link to can see the ledger, so share it only with your group.
URLedger nets out everyone's balance, then greedily matches the largest debtor with the largest creditor — a group of n people always settles in at most n−1 payments, with circular debts cancelled automatically.
Yes, relay-style: anyone who opens the link can add expenses and share the updated link back. There is no real-time sync — that would need a server, and not needing one is the point.