Lumeo

Lumeo SplitBills is the easiest way to turn any paper check into instant, itemized group splits—just snap a photo, let our AI parse every line, tap to claim your items, and settle up in one click.

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Inspiration

Splitting bills is a universal headache, between awkward napkin math, hidden tax calculations, and chasing down payments, friends and roommates waste precious time reconciling group expenses. We saw an opportunity to replace manual spreadsheets and group chats with a seamless, AI-driven experience that does the heavy lifting for you.

What it does

Lumeo SplitBills turns any paper receipt into an instant, itemized bill-splitting session. Key features:

AI-First Receipt Parsing: Snap or upload a photo of your check. Our AI connector (GPT-4o with vision) automatically extracts each line item, plus tax and tip, without any manual entry.

Item-Level Claiming & Uneven Splits: Tap to assign items to one or more group members, with sliders for custom weightings when splitting unevenly.

One-Click Settlement: Choose from Venmo, PayPal, Apple Pay, or ACH to settle balances. We net out multi-party debts so only the minimum transfers occur.

Group Hub & History: Maintain persistent groups for dinner dates, trips, or rent. Everyone stays in sync, can add future bills, and track past activity in one place.

How we built it

Frontend: Next.js with Tailwind CSS and shadcn/ui for rapid component scaffolding and responsive PWA support.

Authentication & Data: Supabase for OAuth (Google & Apple) and real-time Postgres storage of users, groups, bills, and line items.

AI Receipt Parsing: A Next.js API route calls OpenAI’s GPT-4o vision model to extract structured JSON from receipt images.

Payments: Stripe Payment Intents handle secure, PCI-compliant charges; net-settlement logic runs in a serverless function.

Challenges we ran into

OCR Accuracy: Receipts come in dozens of formats; we fine-tuned parsing prompts and added bounding-box overlays to let users correct misreads.

Uneven Split Logic: Building a flexible UI for weighted splits required custom computed fields and slider interactions.

Accomplishments that we're proud of

Zero-Typing Bill Entry: Users truly never have to type an item or price, just snap, claim, and go.

What's next for Lumeo

Smart Split Suggestions: Leverage spending history to auto-suggest assignments

Budgeting & Forecasting: Group-level budgets with alerts and future trip cost projections.

White-Label SDK: Package our AI-driven splitter as an embeddable API/SDK for POS systems and event platforms.

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